1st Advantage MortgageThe median Woodward County household earns $61,417, and 14% of residents live below the poverty line. 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
- Getting oriented in Woodward County
- What it costs to live in Woodward County
- Income in Woodward County compared with Oklahoma
- How Woodward County residents earn a living
- Cities, towns and CDPs in Woodward County
- Woodward County and the counties next door
- A Woodward County household budget, worked through
- What the numbers mean for Woodward County borrowers
- Woodward County residents: age, schooling, coverage
- Oklahoma rules that apply in Woodward County
- Checklist for Woodward County applicants
- Related local guides
- Frequently asked questions
Getting oriented in Woodward County
With an estimated 20,158 residents (ACS 2020 to 2024), Woodward County ranks 40th of 77 in Oklahoma for population. It covers 1,243 square miles of land, or about 16 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Woodward is the biggest of its 6 Census places, at roughly 11,882 people (59% of the county total).
What it costs to live in Woodward County
Renters in Woodward County pay a median of $838 a month, 17% below the Oklahoma figure of $1,014. Rent takes 30% or more of income for 35% of renter households here. The median owner-occupied home is valued at $169,000, about 2.8 times the median household income. The ownership rate is 73%. The median home was built in 1978, so roofs, wiring and heating systems are a common source of repair bills.
| Woodward County | Oklahoma | U.S. county median | |
|---|---|---|---|
| Median gross rent | $838/mo | $1,014/mo | $877/mo |
| Median home value | $169,000 | $199,800 | $185,300 |
| Owners | 73% | 66% | 75% |
| Rent-burdened renters | 35% | 46% | 45% |
| Burdened owners | 20% | 24% | n/a |
| Mobile homes | 12.5% | 8.2% | n/a |
| Vacant units | 16% | 12% | 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).
Income in Woodward County compared with Oklahoma
The median household income in Woodward County is $61,417; statewide it is $65,039, so Woodward County runs 6% below Oklahoma as a whole. Only 29 Oklahoma counties post a higher median.
| Household income | Woodward County | vs Oklahoma |
|---|---|---|
| Under $35,000 | 24.9% | -1.4 pts |
| $35,000 to $99,999 | 47.9% | +4.7 pts |
| $100,000 to $199,999 | 22.0% | -1.3 pts |
| $200,000 or more | 5.2% | -2.0 pts |
Some 25% of households here live on less than $35,000 a year; 27% have six-figure incomes. Census counts 14.0% of Woodward County residents in poverty, against 15.3% across Oklahoma. None of these numbers decides a Woodward County application. Lenders weigh your own documented income against your own debts.
How Woodward County residents earn a living
Education and health care employs 19% of working residents, the largest share; agriculture, forestry and mining is next with 13%. The sharpest difference from the state is in agriculture, forestry and mining, at 13% locally and 4% for Oklahoma. The survey's unemployment rate for Woodward County averages 6.2% over 2020 to 2024 (state: 5.0%). 10% of commuters travel 45 minutes or more each way, and 2% work from home. Households without a car make up 4.0% of the total (5.6% statewide).
| Top industries | Woodward County share | +/- vs Oklahoma |
|---|---|---|
| Education and health care | 18.8% | -4.5 pts |
| Agriculture, forestry and mining | 12.7% | +9.0 pts |
| Retail trade | 11.8% | 0.0 pts |
| Transportation, warehousing and utilities | 8.2% | +2.1 pts |
| Construction | 8.1% | +0.7 pts |
| Arts, lodging and food service | 7.8% | -1.2 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Cities, towns and CDPs in Woodward County
6 Census places fall mainly inside Woodward County; the 6 biggest are below. They account for 13,884 residents, leaving about 31% of the county in unincorporated, unnamed areas. This guide covers each of the 6 places and the rural areas around them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Woodward | city | 11,882 | $54,463 | $839 | 7 mi |
| Mooreland | town | 1,330 | $54,728 | $863 | 4 mi |
| Fort Supply | town | 274 | $63,000 | $722 | 19 mi |
| Quinlan | CDP | 262 | n/a | n/a | 13 mi |
| Sharon | town | 112 | $78,375 | $1,096 | 11 mi |
| Mutual | town | 24 | $2,499 | n/a | 15 mi |
Woodward County and the counties next door
Six nearby counties, 30 to 52 miles away by the straight-line distance between their centers. 3 of the six report a higher median household income than Woodward County; Major County is highest at $71,266 and Woods County lowest at $53,275. The list crosses into Kansas, where different lending rules and regulators apply.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Woodward County | - | $61,417 | $838/mo | 73% |
| Ellis County, OK | 30 mi | $61,016 | $815/mo | 82% |
| Woods County, OK | 31 mi | $53,275 | $850/mo | 65% |
| Harper County, OK | 34 mi | $64,053 | $828/mo | 84% |
| Dewey County, OK | 34 mi | $62,569 | $912/mo | 76% |
| Major County, OK | 41 mi | $71,266 | $696/mo | 82% |
| Comanche County, KS | 52 mi | $54,545 | $692/mo | 73% |
A Woodward County household budget, worked through
Woodward County at the medians, through a lender's eyes (what DTI means):
- $5,118 a month: gross income for a household at the Woodward County median
- Rent at the median, $838, takes 16% of that
- 36% debt-to-income limit: $1,005 left for all other debt payments
Two-income households and single earners in Woodward County land in very different places on this math, so run it for your own budget.
What the numbers mean for Woodward County borrowers
A few patterns in the Woodward County data, and the practical point behind each:
- Uninsured care. 13% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Manufactured homes. 13% of Woodward County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
Woodward County residents: age, schooling, coverage
Degree holders: 21% of adults over 25. The uninsured rate is 12.5%, against 12.9% for Oklahoma.
| Measure | Woodward County | Oklahoma statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 37.8 | 37.0 | 41.5 |
| Bachelor's or higher | 20.7% | 28.3% | 22.2% |
| No high school diploma | 11.7% | 10.6% | n/a |
| No health insurance | 12.5% | 12.9% | 7.8% |
| No vehicle | 4.0% | 5.6% | 5.4% |
| Work from home | 2.3% | 9.4% | 8.7% |
| Poverty rate | 14.0% | 15.3% | 13.2% |
| Unemployment (ACS) | 6.2% | 5.0% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 50.2% |
| 15 to 29 min | 29.9% |
| 30 to 44 min | 9.9% |
| 45 to 59 min | 2.2% |
| 60+ min | 7.7% |
Oklahoma rules that apply in Woodward County
Licensing happens at the state level, so a lender working with Woodward County borrowers answers to the Oklahoma State Banking Department. Oklahoma also has the Oklahoma Department of Consumer Credit for consumer credit. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. More on Oklahoma: Oklahoma personal loans.
Checklist for Woodward County applicants
A short checklist for Woodward County borrowers:
- Know the exact dollar figure you need before talking to a lender.
- Compare the total repaid on every offer, not just the payment.
- A Oklahoma license check takes minutes; do it first.
- Read the final agreement; it must match the offer.
Related local guides
The Oklahoma guide covers the whole state.
Frequently asked questions
What is the median household income in Woodward County?
$61,417 a year in the 2020 to 2024 Census survey, versus $65,039 for Oklahoma. It ranks 30th of 77 in the state.
What do renters pay in Woodward County?
$838 a month at the median, about 16% of median household income.
I live in a small Woodward County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Woodward, Mooreland, Fort Supply, Quinlan, Sharon and 1 more.
Can Woodward 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.
Is there a Woodward County office that licenses lenders?
No, licensing is statewide. In Oklahoma it is the Oklahoma State Banking Department.