1st Advantage MortgageAbout 83% of Roger Mills County homes are owner-occupied, and the median household income is $66,094. 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
- Roger Mills County by the numbers
- What Roger Mills County households earn
- Jobs and commutes in Roger Mills County
- What it costs to live in Roger Mills County
- Regional comparison for Roger Mills County
- Roger Mills County towns compared
- Debt-to-income at Roger Mills County's medians
- Roger Mills County residents: age, schooling, coverage
- Reading the Roger Mills County data as a borrower
- Oklahoma rules that apply in Roger Mills County
- Steps before you apply in Roger Mills County
- Nearby and statewide guides
- Frequently asked questions
Roger Mills County by the numbers
The latest five-year Census estimate puts Roger Mills County's population at 3,359; only 73 of Oklahoma's 77 county-level areas are larger. Land area is 1,141 square miles (2024 Gazetteer), so density runs near 3 per square mile. No metropolitan area includes Roger Mills County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 5 places in the county (4 incorporated, 1 census-designated); the largest is Cheyenne, with about 834 residents, or 25% of the county. Small populations mean wide margins of error, so read every Roger Mills County figure on this page as a rough guide.
What Roger Mills County households earn
The median household income in Roger Mills County is $66,094; statewide it is $65,039, so Roger Mills County runs 2% above Oklahoma as a whole. That places it 16th among Oklahoma's 77 county-level areas.
| Band | Roger Mills County | Compared with Oklahoma |
|---|---|---|
| Under $35,000 | 25.3% | -1.0 pts |
| $35,000 to $99,999 | 45.1% | +1.9 pts |
| $100,000 to $199,999 | 21.8% | -1.5 pts |
| $200,000 or more | 7.8% | +0.6 pts |
The spread is wide: 30% of Roger Mills County households make $100,000 or more, and 25% make less than $35,000. 14.7% of residents fall below the federal poverty line (statewide: 15.3%). Income inequality, measured by the Gini index, comes to 0.456 here. None of these numbers decides a Roger Mills County application. Lenders weigh your own documented income against your own debts.
Jobs and commutes in Roger Mills County
The biggest employer of Roger Mills County residents, by industry, is agriculture, forestry and mining at 19% of workers, followed by education and health care (17%). Compared with Oklahoma, the county leans toward agriculture, forestry and mining (19% against 4%). The survey's unemployment rate for Roger Mills County averages 3.2% over 2020 to 2024 (state: 5.0%). 20% of commuters travel 45 minutes or more each way, and 6% work from home. Only 1.7% of homes here go without a vehicle.
| Industry (employed residents 16+) | Roger Mills County | Gap to Oklahoma |
|---|---|---|
| Agriculture, forestry and mining | 19.0% | +15.4 pts |
| Education and health care | 17.2% | -6.1 pts |
| Transportation, warehousing and utilities | 11.7% | +5.6 pts |
| Professional and administrative services | 11.0% | +1.8 pts |
| Retail trade | 8.5% | -3.2 pts |
| Public administration | 8.3% | +2.1 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
What it costs to live in Roger Mills County
A typical Roger Mills County rental runs $795 a month including utilities, which is 22% below Oklahoma. Rent takes 30% or more of income for 43% of renter households here. With a median value of $157,800, a typical Roger Mills County house costs 2.4 times what the median household earns in a year. Owners occupy 83% of homes.
| Housing | Roger Mills County | Oklahoma statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $795/mo | $1,014/mo | $877/mo |
| Median home value | $157,800 | $199,800 | $185,300 |
| Owners | 83% | 66% | 75% |
| Rent-burdened renters | 43% | 46% | 45% |
| Burdened owners | 23% | 24% | n/a |
| Mobile homes | 14.5% | 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).
Regional comparison for Roger Mills County
Six nearby counties, 30 to 45 miles away by the straight-line distance between their centers. Dewey County leads the group on income ($62,569), Beckham County trails ($53,328), and Roger Mills County out-earns 6 of the six. The list crosses into Texas, where different lending rules and regulators apply.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Roger Mills County | - | $66,094 | $795/mo | 83% |
| Beckham County, OK | 30 mi | $53,328 | $904/mo | 68% |
| Hemphill County, TX | 31 mi | $61,563 | $836/mo | 71% |
| Ellis County, OK | 36 mi | $61,016 | $815/mo | 82% |
| Wheeler County, TX | 36 mi | $60,167 | $970/mo | 76% |
| Custer County, OK | 42 mi | $59,738 | $824/mo | 60% |
| Dewey County, OK | 45 mi | $62,569 | $912/mo | 76% |
Roger Mills County towns compared
Here are the 5 most populous of the county's 5 Census places, with income and rent from the same 2020 to 2024 survey. About 45% of Roger Mills County residents live in one of the 5. No Roger Mills County place has a separate guide yet; this county page serves all 5.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Cheyenne | town | 834 | $59,545 | $838 | 8 mi |
| Hammon | town | 457 | $52,500 | $775 | 21 mi |
| Reydon | town | 148 | $57,500 | n/a | 11 mi |
| Strong City | town | 53 | n/a | n/a | 8 mi |
| Durham | CDP | 18 | $58,750 | n/a | 14 mi |
Debt-to-income at Roger Mills County's medians
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Roger Mills County household at the medians it works out like this; treat it as an illustration only.
- Start: $5,508 gross per month ($66,094 / 12)
- 14% goes to median rent ($795)
- Under a 35% cap, $1,928 total minus rent leaves $1,133
- 45% debt-to-income limit: $1,684 left for all other debt payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Roger Mills County residents: age, schooling, coverage
Degree holders: 25% of adults over 25. The uninsured rate is 10.5%, against 12.9% for Oklahoma.
| Residents | Roger Mills County | Oklahoma | Middle U.S. county |
|---|---|---|---|
| Median age | 42.0 | 37.0 | 41.5 |
| Bachelor's or higher | 24.9% | 28.3% | 22.2% |
| No high school diploma | 5.6% | 10.6% | n/a |
| No health insurance | 10.5% | 12.9% | 7.8% |
| No vehicle | 1.7% | 5.6% | 5.4% |
| Work from home | 6.4% | 9.4% | 8.7% |
| Poverty rate | 14.7% | 15.3% | 13.2% |
| Unemployment (ACS) | 3.2% | 5.0% | 4.4% |
| One-way commute | Share of Roger Mills County workers |
|---|---|
| Under 15 min | 44.0% |
| 15 to 29 min | 19.2% |
| 30 to 44 min | 16.5% |
| 45 to 59 min | 5.4% |
| 60+ min | 14.8% |
Reading the Roger Mills County data as a borrower
A few patterns in the Roger Mills County data, and the practical point behind each:
- Hospital bills in Roger Mills County. For the 11% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Keeping the car running. At 20% with long commutes, repairs are a frequent Roger Mills County emergency; first decide if the car is worth fixing.
- Mobile home upkeep. 15% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
Oklahoma rules that apply in Roger Mills County
No county office licenses personal lenders. For Roger Mills County, check the Oklahoma State Banking Department. The Oklahoma Department of Consumer Credit handles consumer-credit questions as well. Federal complaints: consumerfinance.gov. See the Oklahoma state guide for the statewide picture.
Steps before you apply in Roger Mills County
A short checklist for Roger Mills County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Compare the total repaid on every offer, not just the payment.
- Only work with lenders licensed for Oklahoma borrowers.
- Read the final agreement; it must match the offer.
Nearby and statewide guides
The Oklahoma guide covers the whole state.
Frequently asked questions
What is the median household income in Roger Mills County?
$66,094 a year in the 2020 to 2024 Census survey, versus $65,039 for Oklahoma. It ranks 16th of 77 in the state.
Is Roger Mills County expensive for renters?
Median rent is $795 against $1,014 statewide, and 43% of renter households are cost-burdened.
Should Roger Mills County homeowners use home equity instead?
Maybe, but weigh the risk: 83% of Roger Mills County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
What are the biggest places in Roger Mills County?
By population: Cheyenne, Hammon, Reydon, Strong City, Durham. The county has 5 Census places in all.
Is the fit check different in Roger Mills County?
No. It is identical everywhere, and it never looks at your neighborhood.