1st Advantage MortgageOkmulgee County households have a median income of $54,029 and median rent of $834 a month (ACS 2020 to 2024). 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
- Getting oriented in Okmulgee County
- What Okmulgee County households earn
- Employment and commuting in Okmulgee County
- Okmulgee County housing compared with Oklahoma
- Okmulgee County towns compared
- Okmulgee County and the counties next door
- Debt-to-income at Okmulgee County's medians
- What the numbers mean for Okmulgee County borrowers
- Okmulgee County households compared
- Steps before you apply in Okmulgee County
- Who licenses lenders for Okmulgee County residents
- Related local guides
- Frequently asked questions
Getting oriented in Okmulgee County
The latest five-year Census estimate puts Okmulgee County's population at 36,899; only 28 of Oklahoma's 77 county-level areas are larger. Packed into 697 square miles, that is close to 53 residents for every square mile of land. For statistical purposes it belongs to the Tulsa, OK metro area, as delineated by the Office of Management and Budget in July 2023. Of the 13 Census places inside Okmulgee County, Okmulgee leads by population with about 11,348; 11 of the 13 are incorporated.
What Okmulgee County households earn
Okmulgee County households have a median income of $54,029 (ACS 2020 to 2024), which ranks 52nd of 77 in Oklahoma.
| Yearly household income | Okmulgee County | Gap to Oklahoma |
|---|---|---|
| Under $35,000 | 32.3% | +6.0 pts |
| $35,000 to $99,999 | 44.4% | +1.2 pts |
| $100,000 to $199,999 | 19.4% | -3.8 pts |
| $200,000 or more | 3.9% | -3.3 pts |
About 32% of households earn under $35,000, while 23% clear $100,000. The poverty rate is 18.0%, 3 points higher than the state's 15.3%. The Gini index of income inequality is 0.465 (0 is perfect equality). None of these numbers decides a Okmulgee County application. Lenders weigh your own documented income against your own debts.
Employment and commuting in Okmulgee County
By the Census industry count, 26% of employed Okmulgee County residents work in education and health care and 14% in retail trade. The sharpest difference from the state is in education and health care, at 26% locally and 23% for Oklahoma. ACS puts five-year average unemployment at 7.3% in Okmulgee County. About 79% drive to work alone and 21% have trips of 45 minutes or more.
| Sector | Okmulgee County | Compared with Oklahoma |
|---|---|---|
| Education and health care | 26.0% | +2.7 pts |
| Retail trade | 13.6% | +1.9 pts |
| Manufacturing | 10.9% | +1.7 pts |
| Arts, lodging and food service | 8.3% | -0.7 pts |
| Construction | 7.9% | +0.5 pts |
| Public administration | 7.4% | +1.2 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Okmulgee County housing compared with Oklahoma
Renters in Okmulgee County pay a median of $834 a month, 18% below the Oklahoma figure of $1,014. 46% of renting households spend 30% or more of income on rent, and 25% spend half or more. The median owner-occupied home is valued at $121,200, about 2.2 times the median household income. 70% of Okmulgee County households own their home and 30% rent. The median home was built in 1976, so roofs, wiring and heating systems are a common source of repair bills.
| Cost | Okmulgee County | Oklahoma figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $834/mo | $1,014/mo | $877/mo |
| Median home value | $121,200 | $199,800 | $185,300 |
| Owners | 70% | 66% | 75% |
| Rent-burdened renters | 46% | 46% | 45% |
| Burdened owners | 23% | 24% | n/a |
| Mobile homes | 15.1% | 8.2% | n/a |
| Vacant units | 15% | 12% | n/a |
Okmulgee County towns compared
13 Census places fall mainly inside Okmulgee County; the 13 biggest are below. They account for 23,066 residents, leaving about 37% of the county in unincorporated, unnamed areas. Schulter has the highest median household income on the list ($79,583) and Mounds the lowest ($30,375), counting places with at least 500 residents. Median rent ranges from $675 in Beggs to $900 in Dewar. No Okmulgee County place has a separate guide yet; this county page serves all 13.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Okmulgee | city | 11,348 | $41,848 | $837 | 1 mi |
| Henryetta | city | 5,608 | $45,259 | $695 | 14 mi |
| Morris | city | 1,555 | $58,716 | $869 | 6 mi |
| Mounds | town | 1,059 | $30,375 | $763 | 17 mi |
| Beggs | city | 1,024 | $45,909 | $675 | 9 mi |
| Dewar | town | 764 | $67,813 | $900 | 13 mi |
| Winchester | town | 633 | $62,396 | $795 | 10 mi |
| Schulter | town | 522 | $79,583 | $806 | 9 mi |
| Liberty | town | 179 | $64,231 | $775 | 15 mi |
| Preston | CDP | 165 | $86,000 | n/a | 5 mi |
| Grayson | town | 121 | $33,125 | n/a | 11 mi |
| Hoffman | town | 82 | $32,159 | $817 | 13 mi |
| Bryant | CDP | 6 | n/a | n/a | 18 mi |
Okmulgee County and the counties next door
Nearest neighbors first, measured between county centers (24 to 34 miles). Income ranges from $46,281 in McIntosh County to $81,207 in Wagoner County; 3 of these neighbors top Okmulgee County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Okmulgee County | - | $54,029 | $834/mo | 70% |
| Okfuskee County, OK | 24 mi | $48,363 | $716/mo | 69% |
| McIntosh County, OK | 25 mi | $46,281 | $780/mo | 77% |
| Creek County, OK | 30 mi | $62,338 | $936/mo | 74% |
| Muskogee County, OK | 33 mi | $53,619 | $849/mo | 67% |
| Tulsa County, OK | 33 mi | $69,009 | $1,110/mo | 60% |
| Wagoner County, OK | 34 mi | $81,207 | $1,068/mo | 81% |
Debt-to-income at Okmulgee County's medians
How much room does a median Okmulgee County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Monthly gross at the median, Okmulgee County: $4,502
- Housing at the median rent of $834 uses 19%
- With a 43% ceiling, about $1,102 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.
What the numbers mean for Okmulgee County borrowers
Where the Okmulgee County numbers stand out, and why it matters for a loan:
- Medical bills. 13% of Okmulgee County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Keeping the car running. At 21% with long commutes, repairs are a frequent Okmulgee County emergency; first decide if the car is worth fixing.
- 15% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- 18% below poverty. Emergency aid, payment plans and counseling (list) come first.
Okmulgee County households compared
18% of Okmulgee County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 13.0%, against 12.9% for Oklahoma.
| People and households | Okmulgee County | Oklahoma | Median county |
|---|---|---|---|
| Median age | 39.5 | 37.0 | 41.5 |
| Bachelor's or higher | 17.7% | 28.3% | 22.2% |
| No high school diploma | 11.3% | 10.6% | n/a |
| No health insurance | 13.0% | 12.9% | 7.8% |
| No vehicle | 6.6% | 5.6% | 5.4% |
| Work from home | 8.4% | 9.4% | 8.7% |
| Poverty rate | 18.0% | 15.3% | 13.2% |
| Unemployment (ACS) | 7.3% | 5.0% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 40.3% |
| 15 to 29 min | 22.1% |
| 30 to 44 min | 16.5% |
| 45 to 59 min | 12.9% |
| 60+ min | 8.2% |
Steps before you apply in Okmulgee County
Steps that save money for Okmulgee County residents:
- Price the Okmulgee County expense first and borrow that amount, no more.
- Prequalify with soft pulls where offered, then compare in writing.
- A Oklahoma license check takes minutes; do it first.
- Keep a small cushion so one surprise bill does not mean another loan.
Who licenses lenders for Okmulgee County residents
Consumer lenders serving Okmulgee County are licensed by the state, not the county; in Oklahoma that is the Oklahoma State Banking Department. The Oklahoma Department of Consumer Credit handles consumer-credit questions as well. The Consumer Financial Protection Bureau accepts complaints nationwide. See the Oklahoma state guide for the statewide picture.
Related local guides
For statewide rules and data, see the Oklahoma guide.
Frequently asked questions
How much do households in Okmulgee County earn?
The median is $54,029; 23% earn $100,000 or more and 32% under $35,000. A lender uses your own documented income, not this figure.
How does Okmulgee County rent compare with Oklahoma?
$834 locally versus $1,014 for the state, 18% below.
Should Okmulgee County homeowners use home equity instead?
Maybe, but weigh the risk: 70% of Okmulgee County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Does this page cover Okmulgee?
Yes, along with the other 12 Census places in Okmulgee County, such as Henryetta, Morris, Mounds.
Does living in Okmulgee County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Okmulgee County resident as anyone. Lenders decide under fair-lending law.