1st Advantage MortgageIn Osage County, Oklahoma, the typical household earns $62,847 a year and the typical rent is $777. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Osage County, OK: the basics
- Household income in Osage County
- What it costs to live in Osage County
- How Osage County residents earn a living
- Counties near Osage County
- Osage County towns compared
- Room for a loan payment in Osage County
- Local borrowing considerations for Osage County
- Osage County residents: age, schooling, coverage
- Oklahoma rules that apply in Osage County
- Before you sign
- Related local guides
- Frequently asked questions
Osage County, OK: the basics
With an estimated 45,997 residents (ACS 2020 to 2024), Osage County ranks 20th of 77 in Oklahoma for population. Land area is 2,247 square miles (2024 Gazetteer), so density runs near 20 per square mile. For statistical purposes it belongs to the Tulsa, OK metro area, as delineated by the Office of Management and Budget in July 2023. Hominy is the biggest of its 18 Census places, at roughly 3,303 people (7% of the county total).
Household income in Osage County
The median household income in Osage County is $62,847; statewide it is $65,039, so Osage County runs 3% below Oklahoma as a whole. In the state ranking that is 22nd of 77.
| Band | Osage County | Compared with Oklahoma |
|---|---|---|
| Under $35,000 | 27.0% | +0.7 pts |
| $35,000 to $99,999 | 43.6% | +0.4 pts |
| $100,000 to $199,999 | 22.6% | -0.7 pts |
| $200,000 or more | 6.9% | -0.3 pts |
The spread is wide: 29% of Osage County households make $100,000 or more, and 27% make less than $35,000. Census counts 13.1% of Osage County residents in poverty, against 15.3% across Oklahoma. The Gini index of income inequality is 0.450 (0 is perfect equality). None of these numbers decides a Osage County application. Lenders weigh your own documented income against your own debts.
What it costs to live in Osage County
Median gross rent, utilities included, comes to $777 in Osage County versus $1,014 statewide. By the Census definition, 46% of Osage County renters are cost-burdened. Home values center on $182,100, or 2.9 years of median income. The ownership rate is 78%.
| Osage County | Oklahoma | U.S. county median | |
|---|---|---|---|
| Median gross rent | $777/mo | $1,014/mo | $877/mo |
| Median home value | $182,100 | $199,800 | $185,300 |
| Owners | 78% | 66% | 75% |
| Rent-burdened renters | 46% | 46% | 45% |
| Burdened owners | 26% | 24% | n/a |
| Mobile homes | 14.0% | 8.2% | 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).
How Osage County residents earn a living
By the Census industry count, 23% of employed Osage County residents work in education and health care and 12% in retail trade. ACS puts five-year average unemployment at 5.3% in Osage County. Long commutes are the exception here: 14% of workers spend 45 minutes or longer getting to work.
| Top industries | Osage County share | +/- vs Oklahoma |
|---|---|---|
| Education and health care | 22.8% | -0.5 pts |
| Retail trade | 12.4% | +0.6 pts |
| Manufacturing | 10.9% | +1.7 pts |
| Professional and administrative services | 8.9% | -0.4 pts |
| Arts, lodging and food service | 8.6% | -0.5 pts |
| Transportation, warehousing and utilities | 7.8% | +1.7 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Counties near Osage County
The six counties whose centers lie closest to Osage County's, from 27 to 45 miles away. Tulsa County leads the group on income ($69,009), Nowata County trails ($54,333), and Osage County out-earns 5 of the six. Some neighbors are in Kansas. Lender licensing is state by state, so a loan for a Osage County resident follows Oklahoma rules.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Osage County | - | $62,847 | $777/mo | 78% |
| Pawnee County, OK | 27 mi | $58,738 | $864/mo | 80% |
| Washington County, OK | 28 mi | $60,162 | $907/mo | 72% |
| Chautauqua County, KS | 38 mi | $56,438 | $708/mo | 82% |
| Kay County, OK | 43 mi | $58,423 | $842/mo | 69% |
| Tulsa County, OK | 43 mi | $69,009 | $1,110/mo | 60% |
| Nowata County, OK | 45 mi | $54,333 | $811/mo | 74% |
Osage County towns compared
The table lists the 14 largest of 18 Census places in Osage County, by population. Together all 18 hold about 11,448 people, so roughly 75% of residents live outside any named place. Incomes vary by place: $83,125 at the median in McCord, $37,193 in Hominy. None of the 18 has its own city guide, so this page covers all of them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Hominy | city | 3,303 | $37,193 | $666 | 14 mi |
| Pawhuska | city | 2,930 | $46,298 | $554 | 5 mi |
| McCord | CDP | 1,553 | $83,125 | $629 | 35 mi |
| Fairfax | town | 1,076 | $40,000 | $602 | 17 mi |
| Barnsdall | city | 919 | $49,018 | $758 | 15 mi |
| Shidler | city | 336 | $71,023 | $825 | 18 mi |
| Prue | town | 329 | $60,938 | $792 | 27 mi |
| Wynona | town | 300 | $41,875 | $789 | 7 mi |
| Avant | town | 209 | $57,083 | n/a | 22 mi |
| Burbank | town | 104 | $55,625 | n/a | 18 mi |
| Bowring | CDP | 103 | $31,563 | $598 | 24 mi |
| Osage | town | 103 | $27,917 | n/a | 23 mi |
| Webb City | town | 57 | $24,500 | n/a | 21 mi |
| Nelagoney | CDP | 43 | $14,722 | n/a | 9 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Room for a loan payment in Osage County
How much room does a median Osage County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Median income divided by twelve: $5,237 before taxes
- Less median rent of $777, which is 15% of it
- At 36%, room after rent is $1,108 a month
Two-income households and single earners in Osage County land in very different places on this math, so run it for your own budget.
Local borrowing considerations for Osage County
What the Osage County figures suggest, and what to check first:
- Hospital bills in Osage County. For the 11% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Manufactured homes. 14% of Osage County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Renters under pressure. When 46% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
Osage County residents: age, schooling, coverage
23% of Osage County adults 25 and older hold a bachelor's degree or more. About 11% go without health insurance.
| Indicator | Osage County | All of Oklahoma | U.S. county median |
|---|---|---|---|
| Median age | 43.5 | 37.0 | 41.5 |
| Bachelor's or higher | 22.7% | 28.3% | 22.2% |
| No high school diploma | 9.9% | 10.6% | n/a |
| No health insurance | 10.5% | 12.9% | 7.8% |
| No vehicle | 5.7% | 5.6% | 5.4% |
| Work from home | 7.3% | 9.4% | 8.7% |
| Poverty rate | 13.1% | 15.3% | 13.2% |
| Unemployment (ACS) | 5.3% | 5.0% | 4.4% |
| Commute length | Osage County |
|---|---|
| Under 15 min | 29.1% |
| 15 to 29 min | 33.1% |
| 30 to 44 min | 23.4% |
| 45 to 59 min | 8.1% |
| 60+ min | 6.3% |
Oklahoma rules that apply in Osage County
Osage 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. Problems with a lender can also go to the CFPB. More on Oklahoma: Oklahoma personal loans.
Before you sign
Steps that save money for Osage 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.
- A Oklahoma license check takes minutes; do it first.
- Pick the shortest term whose payment still fits.
Related local guides
For statewide rules and data, see the Oklahoma guide.
Frequently asked questions
What is the median household income in Osage County?
$62,847 a year in the 2020 to 2024 Census survey, versus $65,039 for Oklahoma. It ranks 22nd of 77 in the state.
Is Osage County expensive for renters?
Median rent is $777 against $1,014 statewide, and 46% of renter households are cost-burdened.
Does this page cover Hominy?
Yes, along with the other 17 Census places in Osage County, such as Pawhuska, McCord, Fairfax.
Can Osage 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.
Who do I complain to about a lender in Osage County?
Start with the Oklahoma State Banking Department, then the CFPB complaint portal. Keep copies of every message.