1st Advantage MortgageThe median McIntosh County household earns $46,281, and 21% of residents live below the poverty line. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Oklahoma license first.
On this page
- McIntosh County at a glance
- Income in McIntosh County compared with Oklahoma
- McIntosh County housing compared with Oklahoma
- The McIntosh County job picture
- Towns and communities in McIntosh County
- How McIntosh County compares with nearby counties
- A McIntosh County household budget, worked through
- McIntosh County households compared
- Local borrowing considerations for McIntosh County
- Steps before you apply in McIntosh County
- Licensing and complaints for McIntosh County
- Nearby and statewide guides
- Frequently asked questions
McIntosh County at a glance
McIntosh County is home to about 19,400 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 42nd most populous of 77 county-level areas in Oklahoma. Land area is 618 square miles (2024 Gazetteer), so density runs near 31 per square mile. No metropolitan area includes McIntosh County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 9 places in the county (6 incorporated, 3 census-designated); the largest is Checotah, with about 3,064 residents, or 16% of the county.
Income in McIntosh County compared with Oklahoma
McIntosh County households have a median income of $46,281 (ACS 2020 to 2024), which ranks 73rd of 77 in Oklahoma.
| Band | McIntosh County | Compared with Oklahoma |
|---|---|---|
| Under $35,000 | 37.7% | +11.4 pts |
| $35,000 to $99,999 | 44.9% | +1.7 pts |
| $100,000 to $199,999 | 13.6% | -9.7 pts |
| $200,000 or more | 3.8% | -3.4 pts |
The spread is wide: 17% of McIntosh County households make $100,000 or more, and 38% make less than $35,000. 21.1% of residents fall below the federal poverty line (statewide: 15.3%). None of these numbers decides a McIntosh County application. Lenders weigh your own documented income against your own debts.
McIntosh County housing compared with Oklahoma
Median gross rent, utilities included, comes to $780 in McIntosh County versus $1,014 statewide. By the Census definition, 48% of McIntosh County renters are cost-burdened. Home values center on $146,200, or 3.2 years of median income. The ownership rate is 77%. The median year built is 1983.
| Measure | McIntosh County | Oklahoma | Median U.S. county |
|---|---|---|---|
| Median gross rent | $780/mo | $1,014/mo | $877/mo |
| Median home value | $146,200 | $199,800 | $185,300 |
| Owners | 77% | 66% | 75% |
| Rent-burdened renters | 48% | 46% | 45% |
| Burdened owners | 33% | 24% | n/a |
In an owner-heavy county like McIntosh County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
The McIntosh County job picture
By the Census industry count, 24% of employed McIntosh County residents work in education and health care and 15% in retail trade. Compared with Oklahoma, the county leans toward retail trade (15% against 12%). The survey's unemployment rate for McIntosh County averages 5.3% over 2020 to 2024 (state: 5.0%). 21% of commuters travel 45 minutes or more each way, and 11% work from home. Households without a car make up 5.0% of the total (5.6% statewide).
| Industry | Share of McIntosh County workers | vs Oklahoma |
|---|---|---|
| Education and health care | 24.5% | +1.2 pts |
| Retail trade | 15.0% | +3.2 pts |
| Construction | 10.0% | +2.6 pts |
| Arts, lodging and food service | 8.7% | -0.3 pts |
| Professional and administrative services | 7.7% | -1.6 pts |
| Manufacturing | 7.1% | -2.1 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in McIntosh County should have bank statements and tax returns ready.
Towns and communities in McIntosh County
Here are the 9 most populous of the county's 9 Census places, with income and rent from the same 2020 to 2024 survey. About 48% of McIntosh County residents live in one of the 9. Incomes vary by place: $66,458 at the median in Shady Grove, $37,042 in Checotah. None of the 9 has its own city guide, so this page covers all of them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Checotah | city | 3,064 | $37,042 | $768 | 11 mi |
| Eufaula | city | 2,825 | $37,289 | $772 | 7 mi |
| Texanna | CDP | 2,401 | $50,789 | $1,058 | 9 mi |
| Shady Grove | CDP | 501 | $66,458 | n/a | 16 mi |
| Duchess Landing | CDP | 214 | n/a | n/a | 15 mi |
| Hanna | town | 128 | $41,250 | n/a | 17 mi |
| Rentiesville | town | 105 | $70,000 | n/a | 15 mi |
| Hitchita | town | 40 | $43,750 | n/a | 11 mi |
| Stidham | town | 21 | n/a | n/a | 2 mi |
How McIntosh County compares with nearby counties
Nearest neighbors first, measured between county centers (24 to 39 miles). Pittsburg County leads the group on income ($55,310), Okfuskee County trails ($48,363), and McIntosh County out-earns 0 of the six.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| McIntosh County | - | $46,281 | $780/mo | 77% |
| Muskogee County, OK | 24 mi | $53,619 | $849/mo | 67% |
| Okmulgee County, OK | 25 mi | $54,029 | $834/mo | 70% |
| Pittsburg County, OK | 31 mi | $55,310 | $860/mo | 71% |
| Haskell County, OK | 33 mi | $49,806 | $770/mo | 78% |
| Okfuskee County, OK | 38 mi | $48,363 | $716/mo | 69% |
| Hughes County, OK | 39 mi | $51,581 | $660/mo | 74% |
A McIntosh County household budget, worked through
McIntosh County at the medians, through a lender's eyes (what DTI means):
- $46,281 a year is $3,857 of gross monthly income
- Less median rent of $780, which is 20% of it
- With a 35% ceiling, about $570 remains for car, card, student and any new loan payments
- With a 45% ceiling, about $956 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.
McIntosh County households compared
Degree holders: 16% of adults over 25. About 18% go without health insurance.
| Indicator | McIntosh County | All of Oklahoma | U.S. county median |
|---|---|---|---|
| Median age | 47.1 | 37.0 | 41.5 |
| Bachelor's or higher | 15.9% | 28.3% | 22.2% |
| No high school diploma | 12.6% | 10.6% | n/a |
| No health insurance | 18.4% | 12.9% | 7.8% |
| No vehicle | 5.0% | 5.6% | 5.4% |
| Work from home | 11.3% | 9.4% | 8.7% |
| Poverty rate | 21.1% | 15.3% | 13.2% |
| Unemployment (ACS) | 5.3% | 5.0% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 35.2% |
| 15 to 29 min | 23.8% |
| 30 to 44 min | 19.6% |
| 45 to 59 min | 10.1% |
| 60+ min | 11.3% |
Local borrowing considerations for McIntosh County
The county's numbers point to a few situations that come up often for McIntosh County borrowers.
- Medical bills. 18% of McIntosh County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Long drives. With 21% of commutes over 45 minutes, tires and repairs are fixed costs in many McIntosh County budgets.
- Manufactured homes. 33% of McIntosh County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Older households. A 47.1 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
Steps before you apply in McIntosh County
Steps that save money for McIntosh County residents:
- Price the McIntosh County expense first and borrow that amount, no more.
- Prequalify with soft pulls where offered, then compare in writing.
- Verify the Oklahoma license before giving out your Social Security number.
- Ask about early-payoff penalties.
Licensing and complaints for McIntosh County
McIntosh County borrowers fall under statewide rules, enforced by the Oklahoma State Banking Department. Consumer lending in Oklahoma is also overseen by the Oklahoma Department of Consumer Credit. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. More on Oklahoma: Oklahoma personal loans.
Nearby and statewide guides
The Oklahoma guide covers the whole state.
Frequently asked questions
What does a typical McIntosh County household make?
About $46,281 a year at the median (ACS 2020-24), 29% below the Oklahoma median.
What do renters pay in McIntosh County?
$780 a month at the median, about 20% of median household income.
Does this page cover Checotah?
Yes, along with the other 8 Census places in McIntosh County, such as Eufaula, Texanna, Shady Grove.
Can McIntosh 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.
Is there a McIntosh County office that licenses lenders?
No, licensing is statewide. In Oklahoma it is the Oklahoma State Banking Department.