Cost of Living in Garfield County, Oklahoma
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Garfield County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Garfield County ranks #3,080 of 3,144 counties for affordability (bottom 2%)
Data Story
About Cost of Living in Garfield County, Oklahoma
Garfield County: Strong income eases affordability
At 16.3%, Garfield County's rent-to-income ratio sits comfortably below national affordability thresholds, buoyed by the county's strongest median income of $67,302. Renters here pay $915 monthly but manage this burden effectively thanks to above-average wages relative to other rural Oklahoma counties.
Below Oklahoma's average rent burden
Garfield County's 16.3% rent-to-income ratio beats Oklahoma's state average of 17.0%, reflecting strong local incomes that offset moderate rents. The county's economic strength translates to better affordability than much of rural Oklahoma.
Highest incomes, highest rents balanced
Garfield County's $915 median rent ranks third-highest among these eight counties, yet its 16.3% affordability ratio remains favorable because residents earn $67,302—the highest median income in this group. This economic strength allows residents to absorb higher housing costs without strain.
Balanced burden across both housing types
Garfield County renters dedicate 16.3% of their $67,302 income to median rent of $915, while homeowners commit 14.9% to monthly costs of $839. Both groups maintain reasonable housing-to-income ratios, suggesting Garfield County's economy supports sustainable affordability for renters and homeowners alike.
Garfield County: Prosperity meets affordability
Garfield County stands out as Oklahoma's economic anchor among these eight counties, offering the highest median income at $67,302 paired with moderate rent of $915 and median home value of $149,800. Job seekers relocating here enjoy the county's strongest wage opportunities alongside manageable housing costs—a rare combination in rural Oklahoma.
Cost of Living Advisory: Garfield County
Affordability Verdict
Garfield County is affordable for renters, with a median gross rent of $915/month representing approximately 16.3% of median household income. The rent burden (GRAPI) stands at 24.0%.
Rent vs. Own
Renters in Garfield County pay $915/month on average, compared to $839/month for homeowners. This market favors buyers by about 8%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $36,600/year. For owner costs at the 28% rule, the required income is roughly $35,957/year. With a median household income of $67,302, most households can comfortably afford rent here. Notably, 24.0% of renter households in Garfield County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Garfield County sits 7% more expensive than Murray County ($859/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Garfield County
Rent Burden
16.3%
of gross income
Max Housing (28% Rule)
$1,570
per month
Owner Cost Burden
15.0%
of gross income
You can likely afford the median home in Garfield County
Median home value is $149,800. Estimated monthly cost: $1,196 vs. your max of $1,570.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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