Cost of Living in Harmon County, Oklahoma
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Harmon County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Harmon County ranks #174 of 3,142 counties for affordability (top 6%)
Sourced county brief
Harmon County property values and housing expenditure snapshot
The median home value in Harmon County was estimated at $79,700, which is $72,313 below the Oklahoma unweighted county mean of $152,013. Median selected monthly owner costs for all owner-occupied units were $532, also below the state unweighted county mean of $755. In the rental market, the median gross rent was $694 per month, compared to the Oklahoma unweighted county mean of $839. The official rentToIncomePct, as measured by ACS B25071 GRAPI, was 23.2% in Harmon County. This is 3.4 percentage points lower than the state unweighted county mean of 26.6%. Median renter-household income was recorded at $35,441. All values represent a snapshot from the 2020-2024 American Community Survey 5-Year Estimates and do not include market forecasts. See ACS table B25077 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Harmon County
Affordability Verdict
ACS B25071 estimates median gross rent at 23.2% of renter household income in Harmon County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $694 per month; median selected monthly owner costs are $532. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $27,760 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The Oklahoma unweighted mean of county median rents is $839 per month. Harmon County's $694 median is 17.3% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Harmon County
Rent Burden
19.2%
of gross income
Max Housing (28% Rule)
$1,011
per month
Owner Cost Burden
14.7%
of gross income
You can likely afford the median home in Harmon County
Median home value is $79,700. Estimated monthly cost: $636 vs. your max of $1,011.
Rent Affordability Guide
Income Needed Calculator
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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 (2020-2024). Data is informational only and is not personalized financial advice.
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