Cost of Living in Garvin County, Oklahoma
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Garvin County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Garvin County ranks #2,453 of 3,144 counties for affordability (bottom 22%)
Data Story
About Cost of Living in Garvin County, Oklahoma
Garvin renters spend slightly more than America
Garvin County's rent-to-income ratio of 17.4% edges above the national average of 17.0%, meaning renters here dedicate a slightly larger share of their paychecks to housing. The median household income of $57,127 falls well short of the national median of $74,755, putting downward pressure on affordability across the county.
Ranked mid-pack in Oklahoma affordability
Garvin County's 17.4% rent-to-income ratio places it slightly above Oklahoma's state average of 17.0%, indicating moderate housing pressure relative to peers. The median rent of $828 exceeds the state average of $814, but income levels here are lower than state benchmarks.
Similar costs to surrounding counties
Garvin County's median rent of $828 sits between neighboring Grant County ($856) and Greer County ($624), reflecting regional consistency in rental markets. Incomes vary more dramatically across neighbors—Garvin's $57,127 trails Grady County's $75,730 but exceeds Hughes County's $47,923.
Rent and ownership costs split income
Renters in Garvin County pay $828 monthly on median incomes of $57,127 (17.4% of income), while homeowners dedicate $650 monthly to ownership costs (13.7% of income). Median home values of $132,600 make ownership more accessible than renting relative to local incomes, a pattern that reverses national trends.
Consider Garvin for balanced homeownership
If you're relocating from higher-cost metros, Garvin County offers modest rents and affordable home values, though income growth opportunities may be limited. Compare the 17.4% rent burden here against Grant County's 16.6% or Greer County's lower 12.4% if maximum affordability is your priority.
Cost of Living Advisory: Garvin County
Affordability Verdict
For renters in Garvin County, the market is affordable. Expect to pay around $828/month in gross rent, with 24.0% of renter households considered cost-burdened.
Rent vs. Own
The median rent in Garvin County is $828/month, while owner costs run $650/month. Owning saves approximately $178/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $33,120/year. For owner costs at the 28% rule, the required income is roughly $27,857/year. With a median household income of $57,127, most households can comfortably afford rent here. Notably, 24.0% of renter households in Garvin County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Oklahoma, Garvin County is more affordable than Nowata County by roughly 7% ($828/mo vs $776/mo).
Affordability Calculator
See how your income compares to housing costs in Garvin County
Rent Burden
17.4%
of gross income
Max Housing (28% Rule)
$1,333
per month
Owner Cost Burden
13.7%
of gross income
You can likely afford the median home in Garvin County
Median home value is $132,600. Estimated monthly cost: $1,059 vs. your max of $1,333.
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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