1st Advantage MortgageAbout 66% of Texas County homes are owner-occupied, and the median household income is $60,069. 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
- Texas County at a glance
- Income in Texas County compared with Oklahoma
- Where Texas County households live
- Where Texas County differs from the rest of Oklahoma
- Jobs and commutes in Texas County
- Texas County, Stevens County and other neighbors
- Texas County communities by population
- What a median Texas County budget can carry
- More Texas County figures
- Before borrowing in Texas County
- Four steps for Texas County borrowers
- Oklahoma rules that apply in Texas County
- Other Oklahoma guides
- Frequently asked questions
Texas County at a glance
The latest five-year Census estimate puts Texas County's population at 20,774; only 38 of Oklahoma's 77 county-level areas are larger. Land area is 2,041 square miles (2024 Gazetteer), so density runs near 10 per square mile. Metro status: none; Texas County sits outside the 2023 OMB metro areas. Of the 10 Census places inside Texas County, Guymon leads by population with about 12,539; 7 of the 10 are incorporated.
Income in Texas County compared with Oklahoma
Half of Texas County households take in less than $60,069 a year and half take in more, 8% below the Oklahoma median of $65,039. That places it 38th among Oklahoma's 77 county-level areas.
| Households earning | Texas County | +/- vs Oklahoma |
|---|---|---|
| Under $35,000 | 32.0% | +5.7 pts |
| $35,000 to $99,999 | 41.8% | -1.4 pts |
| $100,000 to $199,999 | 23.5% | +0.3 pts |
| $200,000 or more | 2.7% | -4.5 pts |
The spread is wide: 26% of Texas County households make $100,000 or more, and 32% make less than $35,000. The poverty rate is 15.7%, the same as the state's 15.3%. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Where Texas County households live
A typical Texas County rental runs $873 a month including utilities, which is 14% below Oklahoma. 42% of renting households spend 30% or more of income on rent, and 25% spend half or more. With a median value of $163,500, a typical Texas County house costs 2.7 times what the median household earns in a year. Homeowners 66%, renters 34%. Median construction year: 1976. Against the median U.S. county, Texas County rent is about level with.
| Measure | Texas County | Oklahoma | Gap |
|---|---|---|---|
| Median gross rent | $873/mo | $1,014/mo | 14% lower |
| Median home value | $163,500 | $199,800 | 18% lower |
| Owners | 66% | 66% | +0.6 pts |
| Rent-burdened renters | 42% | 46% | -4.6 pts |
| Burdened owners | 32% | 24% | +7.1 pts |
| Vacant units | 19% | 12% | +7.4 pts |
Where Texas County differs from the rest of Oklahoma
Out of every Oklahoma county, Texas County is most unusual on these measures.
- Few Oklahoma counties match Texas County on median age: 33.0 here, 37.0 for the state, ranking 3rd lowest of 77. A young county means many first-time borrowers; read every fee line.
- Few Oklahoma counties match Texas County on the share of workers who work from home: 3.3% here, 9.4% for the state, ranking 7th lowest of 77. Few remote jobs means most pay stubs come from local employers.
- The share of commutes over 45 minutes: 8% in Texas County. Only 7 of 77 Oklahoma counties are lower. Less driving means fewer surprise repair bills.
Jobs and commutes in Texas County
Top Texas County industry by residents employed: manufacturing, 24%; second, education and health care, 21%. Relative to Oklahoma (9%), manufacturing is 15 points bigger in Texas County (24%). The survey's unemployment rate for Texas County averages 3.4% over 2020 to 2024 (state: 5.0%). 8% of commuters travel 45 minutes or more each way, and 3% work from home. 5.1% of households have no vehicle.
| Top industries | Texas County share | +/- vs Oklahoma |
|---|---|---|
| Manufacturing | 24.3% | +15.1 pts |
| Education and health care | 21.1% | -2.2 pts |
| Agriculture, forestry and mining | 10.9% | +7.3 pts |
| Retail trade | 10.8% | -1.0 pts |
| Construction | 7.5% | +0.1 pts |
| Transportation, warehousing and utilities | 6.8% | +0.7 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Texas County, Stevens County and other neighbors
Distances run center to center, from Stevens County at 33 miles out to Ochiltree County at 49. Richest neighbor: Ochiltree County, $70,183. Poorest: Sherman County, $61,250. Texas County: $60,069. Some neighbors are in Kansas and Texas. Lender licensing is state by state, so a loan for a Texas County resident follows Oklahoma rules.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Texas County | - | $60,069 | $873/mo | 66% |
| Stevens County, KS | 33 mi | $64,178 | $927/mo | 74% |
| Hansford County, TX | 33 mi | $69,441 | $939/mo | 81% |
| Morton County, KS | 35 mi | $66,447 | $632/mo | 85% |
| Sherman County, TX | 40 mi | $61,250 | $835/mo | 76% |
| Seward County, KS | 46 mi | $63,827 | $905/mo | 62% |
| Ochiltree County, TX | 49 mi | $70,183 | $891/mo | 73% |
Texas County communities by population
Here are the 10 most populous of the county's 10 Census places, with income and rent from the same 2020 to 2024 survey. About 87% of Texas County residents live in one of the 10. Goodwell ($88,424) and Tyrone ($2,499) mark the top and bottom of Texas County's income range among larger places. From Guymon to the smallest crossroads, Texas County residents share this guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Guymon | city | 12,539 | $60,075 | $887 | 4 mi |
| Hooker | city | 1,786 | $48,571 | $944 | 17 mi |
| Goodwell | town | 1,122 | $88,424 | $820 | 13 mi |
| Tyrone | town | 1,082 | $2,499 | $633 | 27 mi |
| Texhoma | town | 992 | $61,366 | $786 | 24 mi |
| Hardesty | town | 404 | $87,808 | $510 | 18 mi |
| Adams | CDP | 103 | n/a | n/a | 23 mi |
| Optima | town | 72 | n/a | n/a | 8 mi |
| Hough | CDP | 21 | n/a | n/a | 10 mi |
| Baker | CDP | 3 | n/a | n/a | 27 mi |
What a median Texas County budget can carry
Texas County at the medians, through a lender's eyes (what DTI means):
- $5,006 a month: gross income for a household at the Texas County median
- 17% goes to median rent ($873)
- 36% debt-to-income limit: $929 left for all other debt payments
- $1,279: what a 43% ratio leaves once rent is paid
Two-income households and single earners in Texas County land in very different places on this math, so run it for your own budget.
More Texas County figures
In Texas County, 22% of adults have at least a four-year degree (28% in Oklahoma). The uninsured rate is 11.9%, against 12.9% for Oklahoma.
| Measure | Texas County | Gap to Oklahoma | Gap to typical U.S. county |
|---|---|---|---|
| No high school diploma | 23.9% | +13.3 pts | n/a |
| Bachelor's or higher | 22.1% | -6.2 pts | 0.0 pts |
| Work from home | 3.3% | -6.1 pts | -5.4 pts |
| Median age | 33.0 | -4.0 yrs | -8.5 yrs |
| Unemployment (ACS) | 3.4% | -1.6 pts | -1.0 pts |
| No health insurance | 11.9% | -1.0 pts | +4.1 pts |
| No vehicle | 5.1% | -0.5 pts | -0.4 pts |
| Poverty rate | 15.7% | +0.4 pts | +2.5 pts |
| Minutes to work | Texas County workers |
|---|---|
| Under 15 min | 60.7% |
| 15 to 29 min | 19.8% |
| 30 to 44 min | 11.8% |
| 45 to 59 min | 2.6% |
| 60+ min | 5.0% |
Before borrowing in Texas County
Texas County-specific points to check:
- Medical bills. 12% of Texas County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Mobile homes in Texas County. At 19% of units, they are a big part of local housing; check whether yours is titled as real or personal property.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
Four steps for Texas County borrowers
A short checklist for Texas County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Line up offers side by side: APR, fees in dollars, total cost.
- Look the lender up with the state regulator first.
- Ask a Texas County credit union about member loans.
Oklahoma rules that apply in Texas County
Before sharing details with a lender, a Texas County resident can confirm its license with the Oklahoma State Banking Department. Oklahoma also has the Oklahoma Department of Consumer Credit for consumer credit. Problems with a lender can also go to the CFPB. The Oklahoma guide covers state rules in more detail.
Other Oklahoma guides
The Oklahoma guide covers the whole state.
Frequently asked questions
Where does Texas County rank on income in Oklahoma?
38th of 77, with a median of $60,069. The state median is $65,039.
Can a Texas County renter afford a loan payment?
At the $873 median rent and $5,006 median monthly income, rent alone uses 17%; add other debts before a new payment.
What are the biggest places in Texas County?
By population: Guymon, Hooker, Goodwell, Tyrone, Texhoma. The county has 10 Census places in all.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Texas County or elsewhere in Oklahoma, the same rules apply.
Is there a Texas County office that licenses lenders?
No, licensing is statewide. In Oklahoma it is the Oklahoma State Banking Department.