Oklahoma · GEOID 40047

Garfield County

2024 ACS 5-year estimates · population 62,146 · 27,804 housing units

Median household income

$66,182

State $65,795

Median home value

$160,100

State $197,376

Median gross rent

$919

State $1,020

Homeownership rate

66.0%

State 65.8%

Renter cost-burden rate

42.2%

≥30% of income

Owner cost-burden rate

15.7%

≥30% of income

Homeowner vacancy

1.5%

Of owner-occupied + for-sale units

Rental vacancy

8.0%

Of renter-occupied + for-rent units

Overall vacancy

14.1%

All housing units

Price-to-income ratio

2.42

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Garfield County	Oklahoma
Population	62,146	4,028,634
Population density (per sq. mi.)	58.71	—
Median household income	$66,182	$65,795
HUD Area Median Income (4-person, 100%)	$87,000	—
Households	23,893	—
Average household size	2.53 people	—
Owner-occupied	66.0%	65.8%
Renter-occupied	34.0%	34.2%
Race	73.2% White · 2.4% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Garfield County compared with Oklahoma.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

23.3% hold a bachelor's degree or higher (state: 28.3%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	16.0%	$55,917	$1,398	$177,123
1 earner	33.5%	$60,874	$1,522	$195,574
2 earners	38.9%	$101,841	$2,546	$348,067
3+ earners	11.6%	$116,870	$2,922	$404,010

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

23,893

Average size: 2.53 people

Households with children

6,587

27.6% of households

Per-capita income

$33,517

Poverty rate: 12.7%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

66.0% owner-occupied vs. state average 65.8%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 81.8% · Missing middle (2–19 units) 10.2%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

66.4% built before 1980 · Median structure age 1,970.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $160,100.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $919.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 3,911 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 6.3% · For rent 18.0% · Seasonal 12.6% · Other 3.5%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

83.9% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 16.1% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

1.8%

492 units of 27,804 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

0.5%

137 units of 27,804 total

Census "Other vacant" — units off the market for reasons other than seasonal, migrant, sale, or rental.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$52,946

100% MHI$66,182

120% MHI$79,418

County-wide median from ACS 5-year estimates. A household at 100% MHI in Garfield County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$48,750	$55,700	$69,600
100% AMI	$60,900	$69,600	$87,000
120% AMI	$73,100	$83,500	$104,400

HUD FMR Area: Enid, OK MSA. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

42.2% of renter households spend ≥30% of income on rent (17.6% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

15.7% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Garfield County.

Covered employment

22,914

Across 20 sectors

Establishments

1,755

QCEW 2024

Avg annual pay (workforce)

$50,531

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 62 Health care and social assistance NAICS 62	3,314	$51,501	$160,685	+$585	$1,288
NAICS 44-45 Retail trade NAICS 44-45	3,050	$34,649	$97,956	−$62,144	$866
NAICS 31-33 Manufacturing NAICS 31-33	2,514	$57,835	$184,262	+$24,162	$1,446
NAICS 72 Accommodation and food services NAICS 72	2,234	$19,718	$42,378	−$117,722	$493
NAICS 61 Educational services NAICS 61	1,799	$42,077	$125,605	−$34,495	$1,052
NAICS 56 Administrative and support and waste management and remediation services NAICS 56	1,666	$49,344	$152,656	−$7,444	$1,234
NAICS 92 Public administration NAICS 92	1,271	$60,497	$194,171	+$34,071	$1,512
NAICS 54 Professional, scientific, and technical services NAICS 54	1,201	$71,538	$235,269	+$75,169	$1,788
NAICS 23 Construction NAICS 23	1,038	$58,388	$186,320	+$26,220	$1,460
NAICS 42 Wholesale trade NAICS 42	876	$72,787	$239,918	+$79,818	$1,820
NAICS 52 Finance and insurance NAICS 52	727	$75,943	$251,666	+$91,566	$1,899
NAICS 48-49 Transportation and warehousing NAICS 48-49	718	$67,233	$219,245	+$59,145	$1,681
NAICS 21 Mining, quarrying, and oil and gas extraction NAICS 21	602	$75,660	$250,613	+$90,513	$1,892
NAICS 81 Other services (except public administration) NAICS 81	533	$43,315	$130,214	−$29,886	$1,083
NAICS 71 Arts, entertainment, and recreation NAICS 71	349	$23,515	$56,511	−$103,589	$588
NAICS 53 Real estate and rental and leasing NAICS 53	259	$46,656	$142,650	−$17,450	$1,166
NAICS 55 Management of companies and enterprises NAICS 55	248	$61,718	$198,716	+$38,616	$1,543
NAICS 51 Information NAICS 51	188	$52,610	$164,813	+$4,713	$1,315
NAICS 22 Utilities NAICS 22	172	$122,409	$424,628	+$264,528	$3,060
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	155	$53,726	$168,967	+$8,867	$1,343

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 722 Food services and drinking places NAICS 722	2,008	$19,795	$42,664	−$117,436	$495
NAICS 611 Educational services NAICS 611	1,799	$42,077	$125,605	−$34,495	$1,052
NAICS 561 Administrative and support services NAICS 561	1,594	$48,245	$148,565	−$11,535	$1,206
NAICS 541 Professional, scientific, and technical services NAICS 541	1,201	$71,538	$235,269	+$75,169	$1,788
NAICS 621 Ambulatory health care services NAICS 621	935	$66,664	$217,127	+$57,027	$1,667
NAICS 238 Specialty trade contractors NAICS 238	740	$57,234	$182,025	+$21,925	$1,431
NAICS 623 Nursing and residential care facilities NAICS 623	646	$36,220	$103,804	−$56,296	$906
NAICS 455 General merchandise retailers NAICS 455	589	$25,927	$65,490	−$94,610	$648
NAICS 424 Merchant wholesalers, nondurable goods NAICS 424	541	$71,063	$233,501	+$73,401	$1,777
NAICS 445 Food and beverage retailers NAICS 445	536	$28,339	$74,468	−$85,632	$708
NAICS 213 Support activities for mining NAICS 213	482	$70,283	$230,598	+$70,498	$1,757
NAICS 922 Justice, public order, and safety activities NAICS 922	458	$58,482	$186,670	+$26,570	$1,462
NAICS 441 Motor vehicle and parts dealers NAICS 441	451	$56,026	$177,528	+$17,428	$1,401
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	410	$41,372	$122,981	−$37,119	$1,034
NAICS 522 Credit intermediation and related activities NAICS 522	379	$71,624	$235,589	+$75,489	$1,791
NAICS 423 Merchant wholesalers, durable goods NAICS 423	320	$73,484	$242,513	+$82,413	$1,837
NAICS 457 Gasoline stations and fuel dealers NAICS 457	312	$26,562	$67,853	−$92,247	$664
NAICS 332 Fabricated metal product manufacturing NAICS 332	290	$55,139	$174,227	+$14,127	$1,378
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	281	$29,232	$77,792	−$82,308	$731
NAICS 524 Insurance carriers and related activities NAICS 524	281	$75,475	$249,924	+$89,824	$1,887
NAICS 811 Repair and maintenance NAICS 811	273	$51,384	$160,249	+$149	$1,285
NAICS 928 National security and international affairs NAICS 928	264	$89,704	$302,889	+$142,789	$2,243
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	255	$23,372	$55,979	−$104,121	$584
NAICS 484 Truck transportation NAICS 484	250	$66,644	$217,052	+$56,952	$1,666
NAICS 456 Health and personal care retailers NAICS 456	248	$38,351	$111,736	−$48,364	$959
NAICS 551 Management of companies and enterprises NAICS 551	248	$61,718	$198,716	+$38,616	$1,543
NAICS 721 Accommodation NAICS 721	226	$19,035	$39,835	−$120,265	$476
NAICS 923 Administration of human resource programs NAICS 923	213	$51,353	$160,134	+$34	$1,284
NAICS 921 Executive, legislative, and other general government support NAICS 921	201	$42,526	$127,277	−$32,823	$1,063
NAICS 237 Heavy and civil engineering construction NAICS 237	194	$64,940	$210,709	+$50,609	$1,624
NAICS 812 Personal and laundry services NAICS 812	188	$34,253	$96,482	−$63,618	$856
NAICS 221 Utilities NAICS 221	172	$122,409	$424,628	+$264,528	$3,060
NAICS 531 Real estate NAICS 531	146	$38,662	$112,894	−$47,206	$967
NAICS 493 Warehousing and storage NAICS 493	140	$68,976	$225,733	+$65,633	$1,724
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	128	$20,374	$44,819	−$115,281	$509
NAICS 517 Telecommunications NAICS 517	114	$58,904	$188,241	+$28,141	$1,473
NAICS 532 Rental and leasing services NAICS 532	113	$56,983	$181,091	+$20,991	$1,425
NAICS 488 Support activities for transportation NAICS 488	110	$72,058	$237,205	+$77,105	$1,801
NAICS 236 Construction of buildings NAICS 236	104	$54,377	$171,390	+$11,290	$1,359
NAICS 112 Animal production and aquaculture NAICS 112	97	$65,267	$211,926	+$51,826	$1,632
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	96	$45,492	$138,317	−$21,783	$1,137
NAICS 491 Postal service NAICS 491	84	$68,236	$222,978	+$62,878	$1,706
NAICS 562 Waste management and remediation services NAICS 562	72	$73,678	$243,235	+$83,135	$1,842
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	68	$36,888	$106,290	−$53,810	$922
NAICS 926 Administration of economic programs NAICS 926	55	$48,392	$149,112	−$10,988	$1,210
NAICS 513 Publishing industries NAICS 513	50	$45,244	$137,394	−$22,706	$1,131
NAICS 327 Nonmetallic mineral product manufacturing NAICS 327	40	$65,241	$211,830	+$51,730	$1,631
NAICS 624 Social assistance NAICS 624	30	$30,652	$83,078	−$77,022	$766
NAICS 312 Beverage and tobacco product manufacturing NAICS 312	30	$28,263	$74,185	−$85,915	$707
NAICS 425 Wholesale trade agents and brokers NAICS 425	15	$120,077	$415,948	+$255,848	$3,002
NAICS 924 Administration of environmental quality programs NAICS 924	11	$57,546	$183,186	+$23,086	$1,439
NAICS 814 Private households NAICS 814	5	$22,230	$51,728	−$108,372	$556

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Waiters and Waitresses SOC 35-3031	390	—	—	$11.32	$23,550	$56,642	$589
Fast Food and Counter Workers SOC 35-3023	650	—	—	$11.44	$23,800	$57,572	$595
Childcare Workers SOC 39-9011	100	—	—	$12.22	$25,420	$63,602	$636
Cashiers SOC 41-2011	680	—	—	$12.93	$26,890	$69,074	$672
Janitors and Cleaners SOC 37-2011	460	—	—	$14.61	$30,380	$82,065	$760
Retail Salespersons SOC 41-2031	670	—	—	$14.74	$30,670	$83,145	$767
Home Health and Personal Care Aides SOC 31-1131	270	—	—	$16.31	$33,920	$95,242	$848
Office Clerks, General SOC 43-9061	440	—	—	$17.61	$36,620	$105,293	$916
Tellers SOC 43-3071	100	—	—	$17.91	$37,260	$107,675	$932
Construction Laborers SOC 47-2061	190	—	—	$20.43	$42,500	$127,180	$1,063
Maintenance and Repair Workers, General SOC 49-9071	290	—	—	$22.06	$45,890	$139,799	$1,147
Elementary School Teachers, Except Special Education SOC 25-2021	280	—	—	—	$48,500	$149,514	$1,213
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	430	—	—	$25.39	$52,820	$165,594	$1,321
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	100	—	—	$26.60	$55,330	$174,938	$1,383
Police and Sheriff's Patrol Officers SOC 33-3051	140	—	—	$27.86	$57,950	$184,690	$1,449
Electricians SOC 47-2111	160	—	—	$31.06	$64,600	$209,444	$1,615
Registered Nurses SOC 29-1141	810	—	—	$36.81	$76,570	$254,000	$1,914

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 40047 · pulled from Full Housing Data Table.xlsx.