1st Advantage MortgageIn Noble County, Oklahoma, the typical household earns $66,365 a year and the typical rent is $826. 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
- A quick profile of Noble County
- Jobs and commutes in Noble County
- Paychecks and income spread in Noble County
- Renting and owning in Noble County
- Cities, towns and CDPs in Noble County
- Regional comparison for Noble County
- People and households in Noble County
- Borrowing situations common in Noble County
- A Noble County household budget, worked through
- Four steps for Noble County borrowers
- Oklahoma rules that apply in Noble County
- Related local guides
- Frequently asked questions
A quick profile of Noble County
With an estimated 10,897 residents (ACS 2020 to 2024), Noble County ranks 53rd of 77 in Oklahoma for population. Land area is 732 square miles (2024 Gazetteer), so density runs near 15 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Perry is the biggest of its 7 Census places, at roughly 4,452 people (41% of the county total).
Jobs and commutes in Noble County
Education and health care employs 25% of working residents, the largest share; manufacturing is next with 17%. Manufacturing stands out: 17% of workers here, versus 9% statewide. Averaged over the five survey years, 2.6% of the labor force was out of work and looking. Long commutes are the exception here: 9% of workers spend 45 minutes or longer getting to work.
| Where residents work | Noble County | Difference from Oklahoma |
|---|---|---|
| Education and health care | 24.8% | +1.6 pts |
| Manufacturing | 17.4% | +8.2 pts |
| Construction | 9.4% | +2.0 pts |
| Retail trade | 9.1% | -2.7 pts |
| Public administration | 6.7% | +0.5 pts |
| Agriculture, forestry and mining | 6.7% | +3.0 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Paychecks and income spread in Noble County
Noble County households have a median income of $66,365 (ACS 2020 to 2024), which ranks 13th of 77 in Oklahoma.
| Band | Noble County | Compared with Oklahoma |
|---|---|---|
| Under $35,000 | 25.8% | -0.5 pts |
| $35,000 to $99,999 | 43.0% | -0.2 pts |
| $100,000 to $199,999 | 25.1% | +1.9 pts |
| $200,000 or more | 6.1% | -1.1 pts |
About 26% of households earn under $35,000, while 31% clear $100,000. Census counts 12.9% of Noble County residents in poverty, against 15.3% across Oklahoma. The Gini index of income inequality is 0.422 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Noble County median.
Renting and owning in Noble County
Median gross rent, utilities included, comes to $826 in Noble County versus $1,014 statewide. By the Census definition, 47% of Noble County renters are cost-burdened. With a median value of $146,400, a typical Noble County house costs 2.2 times what the median household earns in a year. The ownership rate is 78%.
| Noble County | Oklahoma | U.S. county median | |
|---|---|---|---|
| Median gross rent | $826/mo | $1,014/mo | $877/mo |
| Median home value | $146,400 | $199,800 | $185,300 |
| Owners | 78% | 66% | 75% |
| Rent-burdened renters | 47% | 46% | 45% |
| Burdened owners | 15% | 24% | n/a |
| Mobile homes | 12.3% | 8.2% | n/a |
| Vacant units | 18% | 12% | n/a |
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).
Cities, towns and CDPs in Noble County
The table lists the 7 largest of 7 Census places in Noble County, by population. Together all 7 hold about 6,533 people, so roughly 40% of residents live outside any named place. Morrison has the highest median household income on the list ($71,875) and Billings the lowest ($45,938), counting places with at least 500 residents. Rent is cheapest in Billings ($650) and steepest in Morrison ($1,063). Live in one of these Noble County communities, or between them? This is your local guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Perry | city | 4,452 | $53,587 | $811 | 8 mi |
| Morrison | town | 789 | $71,875 | $1,063 | 13 mi |
| Billings | town | 666 | $45,938 | $650 | 16 mi |
| Marland | town | 358 | $27,170 | $588 | 13 mi |
| Red Rock | town | 218 | $42,292 | n/a | 6 mi |
| Lucien | CDP | 41 | n/a | n/a | 14 mi |
| Sumner | CDP | 9 | n/a | n/a | 8 mi |
A CDP is a named community without its own municipal government.
Regional comparison for Noble County
The six counties whose centers lie closest to Noble County's, from 26 to 41 miles away. Logan County leads the group on income ($83,899), Payne County trails ($49,809), and Noble County out-earns 5 of the six.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Noble County | - | $66,365 | $826/mo | 78% |
| Payne County, OK | 26 mi | $49,809 | $917/mo | 51% |
| Kay County, OK | 30 mi | $58,423 | $842/mo | 69% |
| Pawnee County, OK | 30 mi | $58,738 | $864/mo | 80% |
| Garfield County, OK | 31 mi | $66,182 | $919/mo | 66% |
| Logan County, OK | 35 mi | $83,899 | $891/mo | 85% |
| Grant County, OK | 41 mi | $60,758 | $853/mo | 76% |
People and households in Noble County
College graduates make up 18% of the adult population. About 6% go without health insurance.
| Indicator | Noble County | All of Oklahoma | U.S. county median |
|---|---|---|---|
| Median age | 42.2 | 37.0 | 41.5 |
| Bachelor's or higher | 18.2% | 28.3% | 22.2% |
| No high school diploma | 10.2% | 10.6% | n/a |
| No health insurance | 5.8% | 12.9% | 7.8% |
| No vehicle | 2.3% | 5.6% | 5.4% |
| Work from home | 5.0% | 9.4% | 8.7% |
| Poverty rate | 12.9% | 15.3% | 13.2% |
| Unemployment (ACS) | 2.6% | 5.0% | 4.4% |
| One-way commute | Share of Noble County workers |
|---|---|
| Under 15 min | 48.7% |
| 15 to 29 min | 25.6% |
| 30 to 44 min | 16.4% |
| 45 to 59 min | 3.9% |
| 60+ min | 5.4% |
Borrowing situations common in Noble County
The county's numbers point to a few situations that come up often for Noble County borrowers.
- 12% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Renters under pressure. When 47% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
- Consolidating cards in Noble County. Compare the total repaid, not the monthly figure (how).
A Noble County household budget, worked through
Here is the Noble County median household run through a simple DTI check. Your numbers will differ.
- Start: $5,530 gross per month ($66,365 / 12)
- Housing at the median rent of $826 uses 15%
- With a 40% ceiling, about $1,386 remains for car, card, student and any new loan payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Four steps for Noble County borrowers
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Shop at least three lenders, including one Noble County-area credit union.
- A Oklahoma license check takes minutes; do it first.
- Lock paid-off cards after consolidating so balances stay at zero.
Oklahoma rules that apply in Noble County
Before sharing details with a lender, a Noble County resident can confirm its license with the Oklahoma State Banking Department. Oklahoma also has the Oklahoma Department of Consumer Credit for consumer credit. The Consumer Financial Protection Bureau accepts complaints nationwide. The Oklahoma guide covers state rules in more detail.
Related local guides
The Oklahoma guide covers the whole state.
Frequently asked questions
How much do households in Noble County earn?
The median is $66,365; 31% earn $100,000 or more and 26% under $35,000. A lender uses your own documented income, not this figure.
How much is rent in Noble County?
Median gross rent, utilities included, is $826 a month; 47% of renters spend 30% or more of income on it.
I own my home in Noble County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 78% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Noble County?
By population: Perry, Morrison, Billings, Marland, Red Rock. The county has 7 Census places in all.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Noble County or elsewhere in Oklahoma, the same rules apply.