Oklahoma · GEOID 40057

Harmon County

2024 ACS 5-year estimates · population 2,406 · 1,354 housing units

Median household income

$43,333

State $65,795

Median home value

$79,700

State $197,376

Median gross rent

$694

State $1,020

Homeownership rate

69.7%

State 65.8%

Renter cost-burden rate

34.7%

≥30% of income

Owner cost-burden rate

18.8%

≥30% of income

Homeowner vacancy

2.5%

Of owner-occupied + for-sale units

Rental vacancy

15.6%

Of renter-occupied + for-rent units

Overall vacancy

28.8%

All housing units

Price-to-income ratio

1.84

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Harmon County	Oklahoma
Population	2,406	4,028,634
Population density (per sq. mi.)	4.48	—
Median household income	$43,333	$65,795
HUD Area Median Income (4-person, 100%)	$55,300	—
Households	964	—
Average household size	2.42 people	—
Owner-occupied	69.7%	65.8%
Renter-occupied	30.3%	34.2%
Race	67.1% White · 9.0% 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

Harmon County compared with Oklahoma.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

13.4% 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	28.8%	$25,000	$625	$62,039
1 earner	36.8%	$46,500	$1,163	$142,069
2 earners	28.4%	$95,139	$2,378	$323,120
3+ earners	6.0%	$250,001	$6,250	$899,569

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

964

Average size: 2.42 people

Households with children

269

27.9% of households

Per-capita income

$29,193

Poverty rate: 24.6%

Section 2

Residential Market Analysis

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

Tenure

69.7% owner-occupied vs. state average 65.8%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 85.1% · Missing middle (2–19 units) 7.2%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

78.0% built before 1980 · Median structure age 1,964.00 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: $79,700.

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: $694.

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 390 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 4.4% · For rent 13.8% · Seasonal 14.4% · Other 65.4%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

20.3% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 79.7% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

4.1%

56 units of 1,354 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

18.8%

255 units of 1,354 total

⚑ Above the 5% threshold — possible indicator of disinvestment, abandonment, or condemned stock.

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$34,666

100% MHI$43,333

120% MHI$52,000

County-wide median from ACS 5-year estimates. A household at 100% MHI in Harmon 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	$42,500	$48,600	$60,700
100% AMI	$38,710	$44,240	$55,300
120% AMI	$46,450	$53,100	$66,350

HUD FMR Area: Harmon County, OK. 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

34.7% of renter households spend ≥30% of income on rent (10.5% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

18.8% 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 Harmon County.

Covered employment

286

Across 7 sectors

Establishments

QCEW 2024

Avg annual pay (workforce)

$47,776

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	75	$56,512	$179,337	+$99,637	$1,413
NAICS 44-45 Retail trade NAICS 44-45	65	$21,880	$50,425	−$29,275	$547
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	56	$54,245	$170,899	+$91,199	$1,356
NAICS 52 Finance and insurance NAICS 52	46	$60,288	$193,393	+$113,693	$1,507
NAICS 92 Public administration NAICS 92	27	$54,276	$171,014	+$91,314	$1,357
NAICS 54 Professional, scientific, and technical services NAICS 54	11	$40,416	$119,423	+$39,723	$1,010
NAICS 48-49 Transportation and warehousing NAICS 48-49	6	$47,068	$144,184	+$64,484	$1,177

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 112 Animal production and aquaculture NAICS 112	42	$57,438	$182,784	+$103,084	$1,436
NAICS 457 Gasoline stations and fuel dealers NAICS 457	26	$18,237	$36,865	−$42,835	$456
NAICS 238 Specialty trade contractors NAICS 238	22	$45,027	$136,586	+$56,886	$1,126
NAICS 541 Professional, scientific, and technical services NAICS 541	11	$40,416	$119,423	+$39,723	$1,010
NAICS 924 Administration of environmental quality programs NAICS 924	7	$60,184	$193,006	+$113,306	$1,505
NAICS 491 Postal service NAICS 491	6	$47,068	$144,184	+$64,484	$1,177
NAICS 926 Administration of economic programs NAICS 926	6	$64,677	$209,730	+$130,030	$1,617

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	760	(60)	(7%)	$10.46	$21,750	$49,941	$544
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	1,890	100	6%	$11.41	$23,720	$57,274	$593
Cashiers SOC 41-2011	2,420	(320)	(12%)	$12.42	$25,840	$65,166	$646
Childcare Workers SOC 39-9011	400	120	43%	$12.88	$26,790	$68,702	$670
Janitors and Cleaners SOC 37-2011	830	(240)	(22%)	$14.32	$29,780	$79,832	$745
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	1,380	40	3%	$15.39	$32,000	$88,095	$800
Retail Salespersons SOC 41-2031	1,280	(580)	(31%)	$15.41	$32,060	$88,319	$802
Tellers SOC 43-3071	520	(10)	(2%)	$15.43	$32,090	$88,430	$802
Office Clerks, General SOC 43-9061	1,300	(220)	(14%)	$17.72	$36,850	$106,149	$921
Firefighters SOC 33-2011	190	40	27%	$19.67	$40,920	$121,299	$1,023
Maintenance and Repair Workers, General SOC 49-9071	760	80	12%	$20.45	$42,540	$127,329	$1,064
Construction Laborers SOC 47-2061	630	220	54%	$20.94	$43,550	$131,088	$1,089
Carpenters SOC 47-2031	80	10	14%	$21.32	$44,340	$134,029	$1,109
Police and Sheriff's Patrol Officers SOC 33-3051	430	150	54%	$22.41	$46,610	$142,479	$1,165
Paramedics SOC 29-2043	90	—	—	$22.54	$46,880	$143,484	$1,172
Elementary School Teachers, Except Special Education SOC 25-2021	1,020	150	17%	—	$49,530	$153,348	$1,238
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	1,160	(790)	(41%)	$25.86	$53,800	$169,242	$1,345
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	160	(300)	(65%)	$27.24	$56,660	$179,888	$1,417
Electricians SOC 47-2111	310	20	7%	$28.95	$60,210	$193,103	$1,505
Registered Nurses SOC 29-1141	1,180	280	31%	$37.68	$78,370	$260,700	$1,959

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: 40057 · pulled from Full Housing Data Table.xlsx.