1st Advantage MortgageThe median Wagoner County household earns $81,207, and 9% of residents live below the poverty line. 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
- Wagoner County at a glance
- Wagoner County housing compared with Oklahoma
- Income in Wagoner County compared with Oklahoma
- Employment and commuting in Wagoner County
- Neighboring counties at a glance
- Cities, towns and CDPs in Wagoner County
- Who lives in Wagoner County, in numbers
- Reading the Wagoner County data as a borrower
- A Wagoner County household budget, worked through
- Steps before you apply in Wagoner County
- Checking a lender's license in Oklahoma
- Related local guides
- Frequently asked questions
Wagoner County at a glance
With an estimated 86,609 residents (ACS 2020 to 2024), Wagoner County ranks 7th of 77 in Oklahoma for population. Land area is 562 square miles (2024 Gazetteer), so density runs near 154 per square mile. The federal metro definitions (OMB, July 2023) place it in the Tulsa, OK metropolitan area. Of the 12 Census places inside Wagoner County, Coweta leads by population with about 10,433; 6 of the 12 are incorporated.
Wagoner County housing compared with Oklahoma
Median gross rent, utilities included, comes to $1,068 in Wagoner County versus $1,014 statewide. Rent takes 30% or more of income for 42% of renter households here. Home values center on $234,800, or 2.9 years of median income. The ownership rate is 81%.
| Housing | Wagoner County | Oklahoma statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,068/mo | $1,014/mo | $877/mo |
| Median home value | $234,800 | $199,800 | $185,300 |
| Owners | 81% | 66% | 75% |
| Rent-burdened renters | 42% | 46% | 45% |
| Burdened owners | 22% | 24% | n/a |
| Mobile homes | 10.9% | 8.2% | n/a |
Because most Wagoner County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Income in Wagoner County compared with Oklahoma
At $81,207, the typical Wagoner County household income is 24% above the median U.S. county ($65,681).
| Household income | Wagoner County | vs Oklahoma |
|---|---|---|
| Under $35,000 | 17.3% | -8.9 pts |
| $35,000 to $99,999 | 43.0% | -0.2 pts |
| $100,000 to $199,999 | 32.4% | +9.1 pts |
| $200,000 or more | 7.3% | 0.0 pts |
Some 17% of households here live on less than $35,000 a year; 40% have six-figure incomes. 9.2% of residents fall below the federal poverty line (statewide: 15.3%). None of these numbers decides a Wagoner County application. Lenders weigh your own documented income against your own debts.
Employment and commuting in Wagoner County
Education and health care employs 23% of working residents, the largest share; retail trade is next with 13%. Manufacturing stands out: 12% of workers here, versus 9% statewide. The survey's unemployment rate for Wagoner County averages 4.2% over 2020 to 2024 (state: 5.0%). About 80% drive to work alone and 12% have trips of 45 minutes or more.
| Top industries | Wagoner County share | +/- vs Oklahoma |
|---|---|---|
| Education and health care | 22.6% | -0.6 pts |
| Retail trade | 12.8% | +1.0 pts |
| Manufacturing | 12.5% | +3.3 pts |
| Construction | 9.0% | +1.7 pts |
| Professional and administrative services | 8.9% | -0.4 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.
Neighboring counties at a glance
Distances run center to center, from Muskogee County at 25 miles out to Okmulgee County at 34. Income ranges from $53,218 in Cherokee County to $80,067 in Rogers County; none of these neighbors top Wagoner County's median.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Wagoner County | - | $81,207 | $1,068/mo | 81% |
| Muskogee County, OK | 25 mi | $53,619 | $849/mo | 67% |
| Tulsa County, OK | 26 mi | $69,009 | $1,110/mo | 60% |
| Mayes County, OK | 28 mi | $60,305 | $858/mo | 74% |
| Rogers County, OK | 29 mi | $80,067 | $1,047/mo | 78% |
| Cherokee County, OK | 29 mi | $53,218 | $831/mo | 66% |
| Okmulgee County, OK | 34 mi | $54,029 | $834/mo | 70% |
Cities, towns and CDPs in Wagoner County
Here are the 12 most populous of the county's 12 Census places, with income and rent from the same 2020 to 2024 survey. About 28% of Wagoner County residents live in one of the 12. Taylor Ferry has the highest median household income on the list ($73,421) and Rocky Point the lowest ($44,881), counting places with at least 500 residents. Median rent ranges from $593 in Taylor Ferry to $932 in Coweta. This guide covers each of the 12 places and the rural areas around them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Coweta | city | 10,433 | $67,519 | $932 | 8 mi |
| Wagoner | city | 8,082 | $57,917 | $868 | 8 mi |
| Whitehorn Cove | CDP | 1,223 | $68,458 | $813 | 13 mi |
| Toppers | CDP | 1,029 | $52,431 | $853 | 11 mi |
| Taylor Ferry | CDP | 906 | $73,421 | $593 | 12 mi |
| Rocky Point | CDP | 821 | $44,881 | $728 | 12 mi |
| Porter | town | 623 | $49,444 | $756 | 7 mi |
| Okay | town | 408 | $40,625 | $1,033 | 13 mi |
| Mallard Bay | CDP | 290 | $49,167 | n/a | 16 mi |
| Tullahassee | town | 152 | $101,917 | $474 | 10 mi |
| Redbird | town | 103 | n/a | n/a | 7 mi |
| Clarksville | CDP | 0 | n/a | n/a | 10 mi |
Who lives in Wagoner County, in numbers
Degree holders: 28% of adults over 25. 11.3% of residents have no health coverage.
| Indicator | Wagoner County | All of Oklahoma | U.S. county median |
|---|---|---|---|
| Median age | 38.9 | 37.0 | 41.5 |
| Bachelor's or higher | 27.7% | 28.3% | 22.2% |
| No high school diploma | 7.7% | 10.6% | n/a |
| No health insurance | 11.3% | 12.9% | 7.8% |
| No vehicle | 2.7% | 5.6% | 5.4% |
| Work from home | 9.2% | 9.4% | 8.7% |
| Poverty rate | 9.2% | 15.3% | 13.2% |
| Unemployment (ACS) | 4.2% | 5.0% | 4.4% |
| Commute length | Wagoner County |
|---|---|
| Under 15 min | 18.3% |
| 15 to 29 min | 42.8% |
| 30 to 44 min | 26.6% |
| 45 to 59 min | 7.4% |
| 60+ min | 4.9% |
Reading the Wagoner County data as a borrower
Where the Wagoner County numbers stand out, and why it matters for a loan:
- Medical bills. 11% of Wagoner County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
A Wagoner County household budget, worked through
Wagoner County at the medians, through a lender's eyes (what DTI means):
- Start: $6,767 gross per month ($81,207 / 12)
- Median rent: $1,068, or 16 cents of every gross dollar
- At 35%, room after rent is $1,301 a month
- $1,977: what a 45% ratio leaves once rent is paid
Two-income households and single earners in Wagoner County land in very different places on this math, so run it for your own budget.
Steps before you apply in Wagoner County
A short checklist for Wagoner County borrowers:
- Know the exact dollar figure you need before talking to a lender.
- Collect three written offers and compare APR and total repaid.
- Verify the Oklahoma license before giving out your Social Security number.
- Read the final agreement; it must match the offer.
Checking a lender's license in Oklahoma
Wagoner 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.
Related local guides
For statewide rules and data, see the Oklahoma guide.
Frequently asked questions
How much do households in Wagoner County earn?
The median is $81,207; 40% earn $100,000 or more and 17% under $35,000. A lender uses your own documented income, not this figure.
Is Wagoner County expensive for renters?
Median rent is $1,068 against $1,014 statewide, and 42% of renter households are cost-burdened.
I own my home in Wagoner County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 81% of homes owner-occupied here, many readers can compare both in writing.
Does this page cover Coweta?
Yes, along with the other 11 Census places in Wagoner County, such as Wagoner, Whitehorn Cove, Toppers.
Are Wagoner County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.