1st Advantage MortgageIn McClain County, Oklahoma, the typical household earns $84,552 a year and the typical rent is $954. 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
- McClain County at a glance
- Income in McClain County compared with Oklahoma
- Rent, home values and ownership in McClain County
- Work, industries and travel time in McClain County
- McClain County towns compared
- McClain County and the counties next door
- A McClain County household budget, worked through
- Local borrowing considerations for McClain County
- More McClain County figures
- Four steps for McClain County borrowers
- Lender oversight for McClain County
- Related local guides
- Frequently asked questions
McClain County at a glance
McClain County is home to about 45,273 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 21st most populous of 77 county-level areas in Oklahoma. It covers 571 square miles of land, or about 79 people per square mile. For statistical purposes it belongs to the Oklahoma City, OK metro area, as delineated by the Office of Management and Budget in July 2023. The Census Bureau counts 10 places in the county (10 incorporated, 0 census-designated); the largest is Newcastle, with about 13,001 residents, or 29% of the county.
Income in McClain County compared with Oklahoma
Half of McClain County households take in less than $84,552 a year and half take in more, 30% above the Oklahoma median of $65,039. That places it 2nd among Oklahoma's 77 county-level areas.
| Band | McClain County | Compared with Oklahoma |
|---|---|---|
| Under $35,000 | 18.7% | -7.6 pts |
| $35,000 to $99,999 | 40.6% | -2.6 pts |
| $100,000 to $199,999 | 30.6% | +7.4 pts |
| $200,000 or more | 10.1% | +2.8 pts |
The spread is wide: 41% of McClain County households make $100,000 or more, and 19% make less than $35,000. The poverty rate is 8.5%, 7 points lower than the state's 15.3%. The Gini index of income inequality is 0.430 (0 is perfect equality). For a borrower in McClain 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.
Rent, home values and ownership in McClain County
Renters in McClain County pay a median of $954 a month, 6% below the Oklahoma figure of $1,014. 50% of renting households spend 30% or more of income on rent, and 24% spend half or more. Home values center on $255,900, or 3.0 years of median income. The ownership rate is 79%.
| Home costs | McClain County | Oklahoma | U.S. middle county |
|---|---|---|---|
| Median gross rent | $954/mo | $1,014/mo | $877/mo |
| Median home value | $255,900 | $199,800 | $185,300 |
| Owners | 79% | 66% | 75% |
| Rent-burdened renters | 50% | 46% | 45% |
| Burdened owners | 22% | 24% | n/a |
| Vacant units | 7% | 12% | n/a |
Because most McClain 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. When half or more of renters are already stretched, a new payment needs a stress test: what happens if a paycheck is a week late?
Work, industries and travel time in McClain County
The biggest employer of McClain County residents, by industry, is education and health care at 24% of workers, followed by construction (10%). Construction stands out: 10% of workers here, versus 7% statewide. The survey's unemployment rate for McClain County averages 4.7% over 2020 to 2024 (state: 5.0%). Long commutes are common here: 18% of workers spend 45 minutes or longer getting to work.
| Top industries | McClain County share | +/- vs Oklahoma |
|---|---|---|
| Education and health care | 24.2% | +0.9 pts |
| Construction | 10.5% | +3.1 pts |
| Retail trade | 8.7% | -3.0 pts |
| Professional and administrative services | 8.3% | -1.0 pts |
| Public administration | 8.2% | +1.9 pts |
| Manufacturing | 7.3% | -1.9 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.
McClain County towns compared
The table lists the 10 largest of 10 Census places in McClain County, by population. Together all 10 hold about 35,883 people, so roughly 21% of residents live outside any named place. Among places of 500 or more people, median income runs from $63,457 in Purcell to $103,333 in Goldsby. Rent is cheapest in Goldsby ($645) and steepest in Washington ($2,160). Live in one of these McClain County communities, or between them? This is your local guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Newcastle | city | 13,001 | $93,398 | $1,105 | 18 mi |
| Blanchard | city | 9,215 | $91,473 | $962 | 15 mi |
| Purcell | city | 6,803 | $63,457 | $868 | 4 mi |
| Goldsby | town | 3,085 | $103,333 | $645 | 8 mi |
| Dibble | town | 1,045 | $71,471 | $1,250 | 10 mi |
| Washington | town | 928 | $90,321 | $2,160 | 4 mi |
| Cole | town | 848 | $90,000 | $1,125 | 9 mi |
| Wayne | town | 701 | $66,071 | $965 | 10 mi |
| Byars | town | 209 | $41,500 | n/a | 25 mi |
| Rosedale | town | 48 | $48,125 | n/a | 16 mi |
McClain County and the counties next door
The six counties whose centers lie closest to McClain County's, from 15 to 42 miles away. Income ranges from $58,556 in Garvin County to $77,068 in Cleveland County; none of these neighbors top McClain County's median.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| McClain County | - | $84,552 | $954/mo | 79% |
| Cleveland County, OK | 15 mi | $77,068 | $1,167/mo | 64% |
| Garvin County, OK | 23 mi | $58,556 | $825/mo | 68% |
| Grady County, OK | 25 mi | $75,419 | $883/mo | 75% |
| Pottawatomie County, OK | 31 mi | $61,398 | $894/mo | 70% |
| Oklahoma County, OK | 37 mi | $66,679 | $1,116/mo | 58% |
| Murray County, OK | 42 mi | $66,322 | $881/mo | 72% |
A McClain County household budget, worked through
McClain County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, McClain County: $7,046
- Rent at the median, $954, takes 14% of that
- $1,864: what a 40% ratio leaves once rent is paid
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Local borrowing considerations for McClain County
A few patterns in the McClain County data, and the practical point behind each:
- Six-figure budgets. For the 41% earning $100,000 or more, lifestyle creep, not approval, is the usual problem.
- Tight rental budgets. With 50% of McClain County renters cost-burdened, test a new payment against a lean month.
- Consolidating cards in McClain County. Compare the total repaid, not the monthly figure (how).
More McClain County figures
Degree holders: 29% of adults over 25. The uninsured rate is 9.5%, against 12.9% for Oklahoma.
| People and households | McClain County | Oklahoma | Median county |
|---|---|---|---|
| Median age | 38.6 | 37.0 | 41.5 |
| Bachelor's or higher | 28.7% | 28.3% | 22.2% |
| No high school diploma | 10.5% | 10.6% | n/a |
| No health insurance | 9.5% | 12.9% | 7.8% |
| No vehicle | 1.6% | 5.6% | 5.4% |
| Work from home | 9.6% | 9.4% | 8.7% |
| Poverty rate | 8.5% | 15.3% | 13.2% |
| Unemployment (ACS) | 4.7% | 5.0% | 4.4% |
| Minutes to work | McClain County workers |
|---|---|
| Under 15 min | 22.7% |
| 15 to 29 min | 32.1% |
| 30 to 44 min | 27.5% |
| 45 to 59 min | 10.1% |
| 60+ min | 7.6% |
Four steps for McClain County borrowers
Steps that save money for McClain County residents:
- Size the loan to the bill, not to the most a lender offers.
- Ask each lender for the APR and all fees in writing.
- Look the lender up with the state regulator first.
- Ask about early-payoff penalties.
Lender oversight for McClain County
Licensing happens at the state level, so a lender working with McClain County borrowers answers to the Oklahoma State Banking Department. The Oklahoma Department of Consumer Credit handles consumer-credit questions as well. Problems with a lender can also go to the CFPB. More on Oklahoma: Oklahoma personal loans.
Related local guides
The Oklahoma guide covers the whole state.
Frequently asked questions
What does a typical McClain County household make?
About $84,552 a year at the median (ACS 2020-24), 30% above the Oklahoma median.
How much is rent in McClain County?
Median gross rent, utilities included, is $954 a month; 50% of renters spend 30% or more of income on it.
What are the biggest places in McClain County?
By population: Newcastle, Blanchard, Purcell, Goldsby, Dibble. The county has 10 Census places in all.
Will a McClain County address affect my match?
Beyond confirming Oklahoma as your state, no. Your answers about amount, credit, income and payments are all that count.
Who regulates personal lenders for McClain 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.