1st Advantage MortgageIn Seminole County, Oklahoma, the typical household earns $48,062 a year and the typical rent is $752. 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
- A quick profile of Seminole County
- Seminole County's most unusual numbers
- Household income in Seminole County
- Jobs and commutes in Seminole County
- Seminole County housing compared with Oklahoma
- Seminole and the rest of Seminole County
- The counties around Seminole County
- Before borrowing in Seminole County
- $4,005 a month: the Seminole County median budget
- Seminole County residents: age, schooling, coverage
- A Seminole County borrower's checklist
- Oklahoma lender licensing
- Nearby and statewide guides
- Frequently asked questions
A quick profile of Seminole County
Roughly 23,494 residents live in Seminole County, Oklahoma, 37th by population among the state's 77 counties and county equivalents. Land area is 633 square miles (2024 Gazetteer), so density runs near 37 per square mile. Seminole County is classed as nonmetropolitan in the OMB's July 2023 list. Of the 9 Census places inside Seminole County, Seminole leads by population with about 7,194; 8 of the 9 are incorporated.
Seminole County's most unusual numbers
The 3 Seminole County numbers that rank furthest from typical in Oklahoma, and what each means for a borrower:
- Seminole County ranks 8th highest of 77 Oklahoma counties for the poverty rate: 21.7%, against 15.3% statewide. Nonprofit credit counseling is free or low cost and worth a call first.
- Few Oklahoma counties match Seminole County on median home value: $99,500 here, $199,800 for the state, ranking 7th lowest of 77. Lower values mean less equity to tap, so unsecured loans are the usual route.
- Seminole County ranks 8th lowest of 77 Oklahoma counties for median household income: $48,062, against $65,039 statewide. A lean local median makes the size of the loan the most important choice.
Household income in Seminole County
Half of Seminole County households take in less than $48,062 a year and half take in more, 26% below the Oklahoma median of $65,039. In the state ranking that is 70th of 77.
| Yearly household income | Seminole County | Gap to Oklahoma |
|---|---|---|
| Under $35,000 | 38.9% | +12.7 pts |
| $35,000 to $99,999 | 41.7% | -1.5 pts |
| $100,000 to $199,999 | 16.7% | -6.5 pts |
| $200,000 or more | 2.6% | -4.6 pts |
39% under $35,000 and 19% at $100,000 or more: that is the Seminole County income split. Seminole County counts about 5,107 residents below the poverty line, 21.7% of the population. The Gini index of income inequality is 0.449 (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 Seminole County median.
Jobs and commutes in Seminole County
Education and health care employs 22% of working residents, the largest share; retail trade is next with 14%. Compared with Oklahoma, the county leans toward agriculture, forestry and mining (6% against 4%). ACS puts five-year average unemployment at 6.3% in Seminole County. 36% of Seminole County workers get to work in under 15 minutes, while 15% need 45 or more.
| Sector | Seminole County | Compared with Oklahoma |
|---|---|---|
| Education and health care | 22.2% | -1.1 pts |
| Retail trade | 13.6% | +1.9 pts |
| Manufacturing | 11.5% | +2.3 pts |
| Arts, lodging and food service | 9.5% | +0.5 pts |
| Public administration | 8.0% | +1.8 pts |
| Construction | 6.5% | -0.9 pts |
Seasonal work is common in many Seminole County industries; if that is you, show a full year of income rather than one strong month.
Seminole County housing compared with Oklahoma
Renters in Seminole County pay a median of $752 a month, 26% below the Oklahoma figure of $1,014. Cost-burdened renters, paying 30%-plus of income: 46% in Seminole County, 46% statewide. The median owner-occupied home is valued at $99,500, about 2.1 times the median household income. 71% of Seminole County households own their home and 29% rent. Half the housing stock was built before 1976.
| Housing | Seminole County | Oklahoma statewide | Seminole County vs state |
|---|---|---|---|
| Median gross rent | $752/mo | $1,014/mo | 26% lower |
| Median home value | $99,500 | $199,800 | 50% lower |
| Owners | 71% | 66% | +5.2 pts |
| Rent-burdened renters | 46% | 46% | +0.2 pts |
| Burdened owners | 27% | 24% | +3.0 pts |
Seminole and the rest of Seminole County
13,142 of Seminole County's 23,494 residents live in its 9 Census places (56%); the 9 largest are listed. Maud has the highest median household income on the list ($43,875) and Konawa the lowest ($33,789), counting places with at least 500 residents. Rent is cheapest in Maud ($542) and steepest in Wewoka ($849). Seminole and every other Seminole County community use this county guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Seminole | city | 7,194 | $39,121 | $744 | 6 mi |
| Wewoka | city | 3,091 | $37,986 | $849 | 6 mi |
| Konawa | city | 1,076 | $33,789 | $636 | 16 mi |
| Maud | city | 973 | $43,875 | $542 | 10 mi |
| Bowlegs | town | 331 | $61,250 | $875 | 4 mi |
| Cromwell | town | 238 | $58,026 | $817 | 15 mi |
| Dixon | CDP | 150 | $28,173 | n/a | 5 mi |
| Sasakwa | town | 58 | n/a | $642 | 15 mi |
| Lima | town | 31 | n/a | n/a | 1 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
The counties around Seminole County
Distances run center to center, from Pottawatomie County at 20 miles out to Cleveland County at 41. Cleveland County leads the group on income ($77,068), Okfuskee County trails ($48,363), and Seminole County out-earns 0 of the six.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Seminole County | - | $48,062 | $752/mo | 71% |
| Pottawatomie County, OK | 20 mi | $61,398 | $894/mo | 70% |
| Hughes County, OK | 21 mi | $51,581 | $660/mo | 74% |
| Okfuskee County, OK | 26 mi | $48,363 | $716/mo | 69% |
| Pontotoc County, OK | 31 mi | $63,017 | $889/mo | 66% |
| Lincoln County, OK | 41 mi | $62,216 | $794/mo | 80% |
| Cleveland County, OK | 41 mi | $77,068 | $1,167/mo | 64% |
Before borrowing in Seminole County
Based on the Seminole County data above, these borrowing questions are most likely to matter locally.
- Hospital bills in Seminole County. For the 17% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Manufactured housing (14%). Seminole County owners should get two written repair quotes before borrowing.
- Before borrowing. At 21.7% poverty, Seminole County has local aid programs worth checking (options).
- Rent at $752. With 46% burdened, a short term and small amount keep risk down.
$4,005 a month: the Seminole County median budget
How much room does a median Seminole 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: $4,005 before taxes
- Rent at the median, $752, takes 19% of that
- Under a 35% cap, $1,402 total minus rent leaves $650
- At 45%, room after rent is $1,050 a month
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Seminole County residents: age, schooling, coverage
In Seminole County, 16% of adults have at least a four-year degree (28% in Oklahoma). Health coverage gaps: 17.1% of Seminole County residents are uninsured.
| Indicator | Seminole County | +/- Oklahoma | +/- U.S. county |
|---|---|---|---|
| Bachelor's or higher | 15.9% | -12.5 pts | -6.3 pts |
| Poverty rate | 21.7% | +6.4 pts | +8.6 pts |
| No health insurance | 17.1% | +4.2 pts | +9.3 pts |
| No high school diploma | 13.5% | +2.9 pts | n/a |
| Median age | 39.2 | +2.2 yrs | -2.3 yrs |
| No vehicle | 7.0% | +1.4 pts | +1.6 pts |
| Work from home | 8.1% | -1.3 pts | -0.6 pts |
| Unemployment (ACS) | 6.3% | +1.3 pts | +1.9 pts |
| One-way commute | Share of Seminole County workers |
|---|---|
| Under 15 min | 35.8% |
| 15 to 29 min | 30.4% |
| 30 to 44 min | 19.1% |
| 45 to 59 min | 6.5% |
| 60+ min | 8.2% |
A Seminole County borrower's checklist
A short checklist for Seminole County borrowers:
- Size the loan to the bill, not to the most a lender offers.
- Line up offers side by side: APR, fees in dollars, total cost.
- Check the license, then the reviews, then the offer.
- Pick the shortest term whose payment still fits.
Oklahoma lender licensing
Consumer lenders serving Seminole County are licensed by the state, not the county; in Oklahoma that is the Oklahoma State Banking Department. For consumer-credit complaints, Oklahoma residents can also contact the Oklahoma Department of Consumer Credit. Nationally, Seminole County residents can file with the CFPB. The Oklahoma guide covers state rules in more detail.
Nearby and statewide guides
The Oklahoma guide covers the whole state.
Frequently asked questions
How much do households in Seminole County earn?
The median is $48,062; 19% earn $100,000 or more and 39% under $35,000. A lender uses your own documented income, not this figure.
What is the median rent in Seminole County, OK?
$752 a month, utilities included, or $9,024 a year.
I own my home in Seminole County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 71% of homes owner-occupied here, many readers can compare both in writing.
Does this page cover Seminole?
Yes, along with the other 8 Census places in Seminole County, such as Wewoka, Konawa, Maud.
Does living in Seminole 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 Seminole County resident as anyone. Lenders decide under fair-lending law.