Oklahoma · GEOID 40059

Harper County

2024 ACS 5-year estimates · population 3,203 · 1,714 housing units

Median household income

$64,053

State $65,795

Median home value

$99,200

State $197,376

Median gross rent

$828

State $1,020

Homeownership rate

83.6%

State 65.8%

Renter cost-burden rate

5.6%

≥30% of income

Owner cost-burden rate

22.0%

≥30% of income

Homeowner vacancy

1.1%

Of owner-occupied + for-sale units

Rental vacancy

7.6%

Of renter-occupied + for-rent units

Overall vacancy

22.2%

All housing units

Price-to-income ratio

1.55

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Harper County	Oklahoma
Population	3,203	4,028,634
Population density (per sq. mi.)	3.08	—
Median household income	$64,053	$65,795
HUD Area Median Income (4-person, 100%)	$78,200	—
Households	1,333	—
Average household size	2.36 people	—
Owner-occupied	83.6%	65.8%
Renter-occupied	16.4%	34.2%
Race	73.2% White · 0.1% 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

Harper County compared with Oklahoma.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

29.3% 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	8.8%	$71,146	$1,779	$233,810
1 earner	33.5%	$47,443	$1,186	$145,579
2 earners	49.1%	$85,543	$2,139	$287,401
3+ earners	8.6%	$107,266	$2,682	$368,261

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

1,333

Average size: 2.36 people

Households with children

405

30.4% of households

Per-capita income

$30,811

Poverty rate: 13.4%

Section 2

Residential Market Analysis

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

Tenure

83.6% owner-occupied vs. state average 65.8%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 87.3% · Missing middle (2–19 units) 1.6%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

77.0% built before 1980 · Median structure age 1,965.00 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: $99,200.

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: $828.

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 381 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 3.1% · For rent 4.7% · Seasonal 5.8% · Other 84.3%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

10.0% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 90.0% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

1.3%

22 units of 1,714 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

18.7%

321 units of 1,714 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$51,242

100% MHI$64,053

120% MHI$76,864

County-wide median from ACS 5-year estimates. A household at 100% MHI in Harper 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	$43,800	$50,050	$62,550
100% AMI	$54,740	$62,560	$78,200
120% AMI	$65,700	$75,050	$93,850

HUD FMR Area: Harper 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

5.6% of renter households spend ≥30% of income on rent (3.7% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

22.0% 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 Harper County.

Covered employment

466

Across 8 sectors

Establishments

QCEW 2024

Avg annual pay (workforce)

$43,857

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 92 Public administration NAICS 92	151	$45,505	$138,366	+$39,166	$1,138
NAICS 44-45 Retail trade NAICS 44-45	120	$20,724	$46,122	−$53,078	$518
NAICS 22 Utilities NAICS 22	76	$90,033	$304,114	+$204,914	$2,251
NAICS 62 Health care and social assistance NAICS 62	52	$36,565	$105,088	+$5,888	$914
NAICS 81 Other services (except public administration) NAICS 81	20	$27,925	$72,927	−$26,273	$698
NAICS 23 Construction NAICS 23	19	$48,971	$151,267	+$52,067	$1,224
NAICS 48-49 Transportation and warehousing NAICS 48-49	16	$45,788	$139,419	+$40,219	$1,145
NAICS 72 Accommodation and food services NAICS 72	12	$9,483	$4,279	−$94,921	$237

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 112 Animal production and aquaculture NAICS 112	251	$55,906	$177,082	+$77,882	$1,398
NAICS 221 Utilities NAICS 221	76	$90,033	$304,114	+$204,914	$2,251
NAICS 457 Gasoline stations and fuel dealers NAICS 457	44	$18,376	$37,382	−$61,818	$459
NAICS 921 Executive, legislative, and other general government support NAICS 921	38	$22,388	$52,316	−$46,884	$560
NAICS 445 Food and beverage retailers NAICS 445	30	$13,548	$19,411	−$79,789	$339
NAICS 811 Repair and maintenance NAICS 811	19	$27,745	$72,257	−$26,943	$694
NAICS 491 Postal service NAICS 491	16	$45,788	$139,419	+$40,219	$1,145
NAICS 621 Ambulatory health care services NAICS 621	15	$38,700	$113,035	+$13,835	$968
NAICS 524 Insurance carriers and related activities NAICS 524	12	$42,149	$125,873	+$26,673	$1,054
NAICS 456 Health and personal care retailers NAICS 456	10	$53,029	$166,372	+$67,172	$1,326
NAICS 924 Administration of environmental quality programs NAICS 924	7	$58,632	$187,229	+$88,029	$1,466

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	1,370	(510)	(27%)	$10.76	$22,380	$52,286	$560
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	2,880	(950)	(25%)	$11.37	$23,650	$57,014	$591
Cashiers SOC 41-2011	3,160	(1,010)	(24%)	$12.92	$26,880	$69,037	$672
Childcare Workers SOC 39-9011	360	(160)	(31%)	$12.95	$26,940	$69,260	$674
Janitors and Cleaners SOC 37-2011	1,430	(850)	(37%)	$14.67	$30,520	$82,586	$763
Retail Salespersons SOC 41-2031	2,040	(1,540)	(43%)	$15.45	$32,130	$88,579	$803
Tellers SOC 43-3071	510	(250)	(33%)	$16.30	$33,900	$95,168	$848
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	840	(1,310)	(61%)	$16.32	$33,940	$95,317	$849
Office Clerks, General SOC 43-9061	1,880	(810)	(30%)	$16.86	$35,070	$99,523	$877
Construction Laborers SOC 47-2061	890	(710)	(44%)	$20.10	$41,820	$124,649	$1,046
Maintenance and Repair Workers, General SOC 49-9071	1,270	(250)	(16%)	$20.41	$42,450	$126,994	$1,061
Carpenters SOC 47-2031	160	(30)	(16%)	$20.51	$42,670	$127,813	$1,067
Firefighters SOC 33-2011	220	(30)	(12%)	$20.62	$42,890	$128,632	$1,072
Paramedics SOC 29-2043 · prior-year code differs	150	(250)	(63%)	$21.70	$45,130	$136,970	$1,128
Elementary School Teachers, Except Special Education SOC 25-2021	1,450	(300)	(17%)	—	$48,950	$151,189	$1,224
Police and Sheriff's Patrol Officers SOC 33-3051	660	(150)	(19%)	$24.85	$51,700	$161,425	$1,293
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	1,930	(1,620)	(46%)	$25.72	$53,500	$168,126	$1,338
Electricians SOC 47-2111	500	20	4%	$28.64	$59,580	$190,757	$1,490
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	320	(240)	(43%)	$28.87	$60,060	$192,544	$1,502
Registered Nurses SOC 29-1141	1,250	(140)	(10%)	$38.16	$79,370	$264,423	$1,984

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: 40059 · pulled from Full Housing Data Table.xlsx.