1st Advantage MortgageMarshall County households have a median income of $57,245 and median rent of $824 a month (ACS 2020 to 2024). Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Oklahoma before sharing details.
On this page
- Marshall County at a glance
- Rent, home values and ownership in Marshall County
- Paychecks and income spread in Marshall County
- Employment and commuting in Marshall County
- Places inside Marshall County
- The counties around Marshall County
- A Marshall County household budget, worked through
- Who lives in Marshall County, in numbers
- Borrowing situations common in Marshall County
- Before you sign
- Oklahoma rules that apply in Marshall County
- Related local guides
- Frequently asked questions
Marshall County at a glance
Roughly 15,792 residents live in Marshall County, Oklahoma, 44th by population among the state's 77 counties and county equivalents. Land area is 371 square miles (2024 Gazetteer), so density runs near 43 per square mile. Under the July 2023 OMB definitions, Marshall County is not part of any metropolitan area. The Census Bureau counts 8 places in the county (4 incorporated, 4 census-designated); the largest is Madill, with about 4,004 residents, or 25% of the county.
Rent, home values and ownership in Marshall County
Renters in Marshall County pay a median of $824 a month, 19% below the Oklahoma figure of $1,014. By the Census definition, 38% of Marshall County renters are cost-burdened. The median owner-occupied home is valued at $164,500, about 2.9 times the median household income. Owners occupy 78% of homes. Median construction year: 1985.
| Measure | Marshall County | Oklahoma | Median U.S. county |
|---|---|---|---|
| Median gross rent | $824/mo | $1,014/mo | $877/mo |
| Median home value | $164,500 | $199,800 | $185,300 |
| Owners | 78% | 66% | 75% |
| Rent-burdened renters | 38% | 46% | 45% |
| Burdened owners | 27% | 24% | n/a |
| Mobile homes | 33.8% | 8.2% | n/a |
Because most Marshall County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Paychecks and income spread in Marshall County
Half of Marshall County households take in less than $57,245 a year and half take in more, 12% below the Oklahoma median of $65,039. That places it 45th among Oklahoma's 77 county-level areas.
| Household income | Marshall County | vs Oklahoma |
|---|---|---|
| Under $35,000 | 30.5% | +4.2 pts |
| $35,000 to $99,999 | 44.8% | +1.6 pts |
| $100,000 to $199,999 | 19.7% | -3.5 pts |
| $200,000 or more | 4.9% | -2.3 pts |
About 30% of households earn under $35,000, while 25% clear $100,000. Census counts 16.1% of Marshall County residents in poverty, against 15.3% across Oklahoma. The Gini index of income inequality is 0.448 (0 is perfect equality). For a borrower in Marshall County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Employment and commuting in Marshall County
Manufacturing employs 18% of working residents, the largest share; education and health care is next with 17%. Manufacturing stands out: 18% of workers here, versus 9% statewide. Averaged over the five survey years, 4.7% of the labor force was out of work and looking. 17% of commuters travel 45 minutes or more each way, and 8% work from home. 3.1% of households have no vehicle.
| Top industries | Marshall County share | +/- vs Oklahoma |
|---|---|---|
| Manufacturing | 17.7% | +8.5 pts |
| Education and health care | 16.6% | -6.7 pts |
| Retail trade | 12.7% | +0.9 pts |
| Arts, lodging and food service | 12.4% | +3.4 pts |
| Professional and administrative services | 7.7% | -1.5 pts |
| Construction | 6.3% | -1.1 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Places inside Marshall County
8 Census places fall mainly inside Marshall County; the 8 biggest are below. They account for 7,866 residents, leaving about 50% of the county in unincorporated, unnamed areas. Oakland has the highest median household income on the list ($61,250) and Kingston the lowest ($45,536), counting places with at least 500 residents. Median rent ranges from $619 in Cumberland to $856 in Kingston. Live in one of these Marshall County communities, or between them? This is your local guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Madill | city | 4,004 | $47,522 | $782 | 4 mi |
| Kingston | town | 1,742 | $45,536 | $856 | 4 mi |
| Oakland | town | 1,142 | $61,250 | $791 | 5 mi |
| Cumberland | CDP | 533 | $60,904 | $619 | 10 mi |
| Lebanon | CDP | 200 | $63,750 | n/a | 10 mi |
| Little City | CDP | 122 | n/a | n/a | 10 mi |
| New Woodville | town | 83 | n/a | n/a | 8 mi |
| McBride | CDP | 40 | n/a | n/a | 10 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
The counties around Marshall County
Distances run center to center, from Johnston County at 21 miles out to Murray County at 36. Income ranges from $52,688 in Johnston County to $72,182 in Grayson County; 4 of these neighbors top Marshall County's median. Some neighbors are in Texas. Lender licensing is state by state, so a loan for a Marshall County resident follows Oklahoma rules.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Marshall County | - | $57,245 | $824/mo | 78% |
| Johnston County, OK | 21 mi | $52,688 | $762/mo | 72% |
| Love County, OK | 28 mi | $66,580 | $939/mo | 73% |
| Grayson County, TX | 28 mi | $72,182 | $1,310/mo | 67% |
| Bryan County, OK | 29 mi | $57,225 | $960/mo | 64% |
| Carter County, OK | 33 mi | $60,723 | $980/mo | 67% |
| Murray County, OK | 36 mi | $66,322 | $881/mo | 72% |
A Marshall County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Marshall County's medians:
- $57,245 a year is $4,770 of gross monthly income
- Housing at the median rent of $824 uses 17%
- With a 35% ceiling, about $846 remains for car, card, student and any new loan payments
- $1,323: what a 45% ratio leaves once rent is paid
If your rent is above $824, the room shrinks dollar for dollar.
Who lives in Marshall County, in numbers
Degree holders: 18% of adults over 25. 18.1% of residents have no health coverage.
| Measure | Marshall County | Oklahoma statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 41.6 | 37.0 | 41.5 |
| Bachelor's or higher | 18.2% | 28.3% | 22.2% |
| No high school diploma | 13.6% | 10.6% | n/a |
| No health insurance | 18.1% | 12.9% | 7.8% |
| No vehicle | 3.1% | 5.6% | 5.4% |
| Work from home | 7.9% | 9.4% | 8.7% |
| Poverty rate | 16.1% | 15.3% | 13.2% |
| Unemployment (ACS) | 4.7% | 5.0% | 4.4% |
| Minutes to work | Marshall County workers |
|---|---|
| Under 15 min | 35.5% |
| 15 to 29 min | 31.7% |
| 30 to 44 min | 15.6% |
| 45 to 59 min | 7.2% |
| 60+ min | 10.0% |
Borrowing situations common in Marshall County
What the Marshall County figures suggest, and what to check first:
- Hospital bills in Marshall County. For the 18% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Mobile home upkeep. 34% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
Before you sign
Four checks before you sign anything:
- Price the Marshall County expense first and borrow that amount, no more.
- Compare the total repaid on every offer, not just the payment.
- Confirm the lender is licensed in Oklahoma.
- Ask about early-payoff penalties.
Oklahoma rules that apply in Marshall County
Before sharing details with a lender, a Marshall County resident can confirm its license with the Oklahoma State Banking Department. Oklahoma also has the Oklahoma Department of Consumer Credit for consumer credit. Federal complaints: consumerfinance.gov. More on Oklahoma: Oklahoma personal loans.
Related local guides
For statewide rules and data, see the Oklahoma guide.
Frequently asked questions
How much do households in Marshall County earn?
The median is $57,245; 25% earn $100,000 or more and 30% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Marshall County?
$824 a month at the median, about 17% of median household income.
Should Marshall County homeowners use home equity instead?
Maybe, but weigh the risk: 78% of Marshall County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live in a small Marshall County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Madill, Kingston, Oakland, Cumberland, Lebanon and 3 more.
Can Marshall 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.