Mayes County, OK: personal loan guide and local data

Mayes County by the numbers

With an estimated 39,604 residents (ACS 2020 to 2024), Mayes County ranks 27th of 77 in Oklahoma for population. It covers 655 square miles of land, or about 60 people per square mile. Mayes County is classed as nonmetropolitan in the OMB's July 2023 list. Of the 26 Census places inside Mayes County, Pryor Creek leads by population with about 9,569; 13 of the 26 are incorporated.

How Mayes County residents earn a living

Education and health care employs 22% of working residents, the largest share; manufacturing is next with 16%. Manufacturing stands out: 16% of workers here, versus 9% statewide. Unemployment in Mayes County, ACS five-year: 6.3%; Oklahoma: 5.0%. About 78% drive to work alone and 20% have trips of 45 minutes or more. 4.5% of households have no vehicle.

Seasonal work is common in many Mayes County industries; if that is you, show a full year of income rather than one strong month.

Paychecks and income spread in Mayes County

The median household income in Mayes County is $60,305; statewide it is $65,039, so Mayes County runs 7% below Oklahoma as a whole. Only 35 Oklahoma counties post a higher median.

Six-figure households (30%) are outnumbered by those under $35,000 (30%) in Mayes County. Census counts 16.2% of Mayes County residents in poverty, against 15.3% across Oklahoma. The Gini index of income inequality is 0.432 (0 is perfect equality). A household earning below the $60,305 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.

Mayes County housing compared with Oklahoma

A typical Mayes County rental runs $858 a month including utilities, which is 15% below Oklahoma. 41% of renting households spend 30% or more of income on rent, and 18% spend half or more. Home values center on $188,200, or 3.1 years of median income. Homeowners 74%, renters 26%. The median year built is 1981. Against the median U.S. county, Mayes County rent is 2% below.

Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).

Mayes County's most unusual numbers

Out of every Oklahoma county, Mayes County is most unusual on these measures.

• On the share of commutes over 45 minutes, Mayes County sits near the top of Oklahoma at 20%, 11th highest of 77. Long drives make car repairs a common emergency; get two written quotes.
• On the ACS unemployment rate, Mayes County sits near the top of Oklahoma at 6.3%, 11th highest of 77. Job gaps can make income hard to document; gather records first.
• Mayes County ranks 12th highest of 77 Oklahoma counties for median home value: $188,200, against $199,800 statewide. High values mean many owners could borrow against equity; weigh that risk carefully.
• On the share of mobile homes, Mayes County sits near the top of Oklahoma at 18.4%, 15th highest of 77. Manufactured homes often do not qualify for home equity loans, so unsecured loans fill the gap.

How Mayes County compares with nearby counties

The six counties whose centers lie closest to Mayes County's, from 21 to 40 miles away. 2 of the six report a higher median household income than Mayes County; Wagoner County is highest at $81,207 and Craig County lowest at $51,922.

Places inside Mayes County

Here are the 14 most populous of the county's 26 Census places, with income and rent from the same 2020 to 2024 survey. About 51% of Mayes County residents live in one of the 26. Incomes vary by place: $77,656 at the median in Adair, $42,232 in Wickliffe. Pryor Creek and every other Mayes County community use this county guide.

Before borrowing in Mayes County

Where the Mayes County numbers stand out, and why it matters for a loan:

• Medical bills. 15% of Mayes County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
• Keeping the car running. At 20% with long commutes, repairs are a frequent Mayes County emergency; first decide if the car is worth fixing.
• Mobile homes in Mayes County. At 18% of units, they are a big part of local housing; check whether yours is titled as real or personal property.

Who lives in Mayes County, in numbers

18% of Mayes County adults 25 and older hold a bachelor's degree or more. 14.9% of residents have no health coverage.

$5,025 a month: the Mayes County median budget

The debt-to-income ratio is the main affordability test lenders use. Applied to Mayes County's medians:

• $5,025 a month: gross income for a household at the Mayes County median
• Median rent: $858, or 17 cents of every gross dollar
• 36% debt-to-income limit: $951 left for all other debt payments
• $1,303: what a 43% ratio leaves once rent is paid

Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Mayes County's.

Steps before you apply in Mayes County

Before you apply, wherever you live in Mayes County:

• Borrow the amount the job needs; extra cash adds interest.
• Compare the total repaid on every offer, not just the payment.
• Verify the Oklahoma license before giving out your Social Security number.
• Keep a small cushion so one surprise bill does not mean another loan.

Who licenses lenders for Mayes County residents

Mayes County borrowers fall under statewide rules, enforced by the Oklahoma State Banking Department. For consumer-credit complaints, Oklahoma residents can also contact the Oklahoma Department of Consumer Credit. If a Mayes County lender ignores a dispute, the CFPB complaint portal is the federal backstop. State-level detail for Mayes County borrowers is in the Oklahoma guide.

Other Oklahoma guides

The Oklahoma guide covers the whole state.

• Oklahoma state guide