1st Advantage MortgageKiowa County households have a median income of $44,962 and median rent of $780 a month (ACS 2020 to 2024). Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Kiowa County at a glance
- Income in Kiowa County compared with Oklahoma
- Rent, home values and ownership in Kiowa County
- How Kiowa County residents earn a living
- The counties around Kiowa County
- Kiowa County towns compared
- People and households in Kiowa County
- Before borrowing in Kiowa County
- A Kiowa County household budget, worked through
- Checking a lender's license in Oklahoma
- A Kiowa County borrower's checklist
- Nearby and statewide guides
- Frequently asked questions
Kiowa County at a glance
Kiowa County is home to about 8,383 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 62nd most populous of 77 county-level areas in Oklahoma. Spread over 1,015 square miles, that works out to roughly 8.3 residents per square mile. Under the July 2023 OMB definitions, Kiowa County is not part of any metropolitan area. Hobart is the biggest of its 8 Census places, at roughly 3,358 people (40% of the county total). Because Kiowa County is small, the survey's margins of error are wide; treat the numbers as approximate.
Income in Kiowa County compared with Oklahoma
Kiowa County households have a median income of $44,962 (ACS 2020 to 2024), which ranks 74th of 77 in Oklahoma.
| Income band | Share in Kiowa County | Difference from Oklahoma |
|---|---|---|
| Under $35,000 | 40.0% | +13.7 pts |
| $35,000 to $99,999 | 41.0% | -2.2 pts |
| $100,000 to $199,999 | 16.6% | -6.7 pts |
| $200,000 or more | 2.5% | -4.8 pts |
The spread is wide: 19% of Kiowa County households make $100,000 or more, and 40% make less than $35,000. Census counts 22.9% of Kiowa County residents in poverty, against 15.3% across Oklahoma. Income inequality, measured by the Gini index, comes to 0.455 here. A household earning below the $44,962 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Rent, home values and ownership in Kiowa County
Renters in Kiowa County pay a median of $780 a month, 23% below the Oklahoma figure of $1,014. By the Census definition, 58% of Kiowa County renters are cost-burdened. With a median value of $96,100, a typical Kiowa County house costs 2.1 times what the median household earns in a year. Owners occupy 70% of homes. Median construction year: 1962.
| Housing | Kiowa County | Oklahoma statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $780/mo | $1,014/mo | $877/mo |
| Median home value | $96,100 | $199,800 | $185,300 |
| Owners | 70% | 66% | 75% |
| Rent-burdened renters | 58% | 46% | 45% |
| Burdened owners | 28% | 24% | n/a |
High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
How Kiowa County residents earn a living
By the Census industry count, 24% of employed Kiowa County residents work in education and health care and 13% in agriculture, forestry and mining. Agriculture, forestry and mining stands out: 13% of workers here, versus 4% statewide. Averaged over the five survey years, 5.2% of the labor force was out of work and looking. About 73% drive to work alone and 13% have trips of 45 minutes or more. Households without a car make up 4.8% of the total (5.6% statewide).
| Sector | Kiowa County | Compared with Oklahoma |
|---|---|---|
| Education and health care | 24.0% | +0.7 pts |
| Agriculture, forestry and mining | 13.2% | +9.5 pts |
| Retail trade | 12.2% | +0.4 pts |
| Public administration | 9.0% | +2.8 pts |
| Manufacturing | 7.7% | -1.5 pts |
| Arts, lodging and food service | 7.7% | -1.3 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
The counties around Kiowa County
Washita County is closest, 25 miles from center to center; the sixth, Tillman County, is 38 miles off. Washita County leads the group on income ($63,501), Tillman County trails ($48,939), and Kiowa County out-earns 0 of the six.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Kiowa County | - | $44,962 | $780/mo | 70% |
| Washita County, OK | 25 mi | $63,501 | $815/mo | 76% |
| Greer County, OK | 32 mi | $59,406 | $681/mo | 78% |
| Jackson County, OK | 33 mi | $62,799 | $842/mo | 59% |
| Comanche County, OK | 34 mi | $60,761 | $970/mo | 56% |
| Caddo County, OK | 38 mi | $55,353 | $734/mo | 73% |
| Tillman County, OK | 38 mi | $48,939 | $733/mo | 73% |
Kiowa County towns compared
The table lists the 8 largest of 8 Census places in Kiowa County, by population. Together all 8 hold about 6,355 people, so roughly 24% of residents live outside any named place. Mountain View has the highest median household income on the list ($53,438) and Hobart the lowest ($33,051), counting places with at least 500 residents. Rent is cheapest in Mountain View ($564) and steepest in Hobart ($848). None of the 8 has its own city guide, so this page covers all of them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Hobart | city | 3,358 | $33,051 | $848 | 9 mi |
| Snyder | city | 1,297 | $41,099 | $651 | 18 mi |
| Mountain View | town | 543 | $53,438 | $564 | 18 mi |
| Lone Wolf | town | 410 | $38,125 | $506 | 16 mi |
| Mountain Park | town | 265 | $24,938 | $533 | 15 mi |
| Gotebo | town | 262 | $95,625 | $725 | 12 mi |
| Roosevelt | town | 213 | $47,000 | $650 | 6 mi |
| Cooperton | town | 7 | $2,499 | n/a | 7 mi |
People and households in Kiowa County
17% of Kiowa County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 8.9%, against 12.9% for Oklahoma.
| Kiowa County | Oklahoma | U.S. county median | |
|---|---|---|---|
| Median age | 42.4 | 37.0 | 41.5 |
| Bachelor's or higher | 16.7% | 28.3% | 22.2% |
| No high school diploma | 10.4% | 10.6% | n/a |
| No health insurance | 8.9% | 12.9% | 7.8% |
| No vehicle | 4.8% | 5.6% | 5.4% |
| Work from home | 8.6% | 9.4% | 8.7% |
| Poverty rate | 22.9% | 15.3% | 13.2% |
| Unemployment (ACS) | 5.2% | 5.0% | 4.4% |
| Commute length | Kiowa County |
|---|---|
| Under 15 min | 43.0% |
| 15 to 29 min | 23.4% |
| 30 to 44 min | 20.2% |
| 45 to 59 min | 7.1% |
| 60+ min | 6.2% |
Before borrowing in Kiowa County
A few patterns in the Kiowa County data, and the practical point behind each:
- Assistance before credit. With a 23% poverty rate, check no-cost options before any Kiowa County loan.
- Renters under pressure. When 58% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
A Kiowa County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Kiowa County's medians:
- Median income divided by twelve: $3,747 before taxes
- Housing at the median rent of $780 uses 21%
- With a 35% ceiling, about $531 remains for car, card, student and any new loan payments
- With a 45% ceiling, about $906 remains for car, card, student and any new loan payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Checking a lender's license in Oklahoma
No county office licenses personal lenders. For Kiowa County, check the Oklahoma State Banking Department. Consumer lending in Oklahoma is also overseen by the Oklahoma Department of Consumer Credit. Federal complaints: consumerfinance.gov. Statewide data and rules: Oklahoma guide.
A Kiowa County borrower's checklist
Four checks before you sign anything:
- Know the exact dollar figure you need before talking to a lender.
- Ask each lender for the APR and all fees in writing.
- Check the license, then the reviews, then the offer.
- Lock paid-off cards after consolidating so balances stay at zero.
Nearby and statewide guides
For statewide rules and data, see the Oklahoma guide.
Frequently asked questions
How much do households in Kiowa County earn?
The median is $44,962; 19% earn $100,000 or more and 40% under $35,000. A lender uses your own documented income, not this figure.
Is Kiowa County expensive for renters?
Median rent is $780 against $1,014 statewide, and 58% of renter households are cost-burdened.
I live in a small Kiowa County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Hobart, Snyder, Mountain View, Lone Wolf, Mountain Park and 3 more.
Can Kiowa County residents use the questionnaire?
Yes. It asks the same questions in every Oklahoma county, lists every requirement up front and does not affect your credit score.
Who regulates personal lenders for Kiowa County residents?
The Oklahoma State Banking Department licenses consumer lenders in Oklahoma; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.