Oklahoma · GEOID 40123

Pontotoc County

2024 ACS 5-year estimates · population 38,235 · 17,531 housing units

Median household income

$63,017

State $65,795

Median home value

$175,400

State $197,376

Median gross rent

$889

State $1,020

Homeownership rate

66.0%

State 65.8%

Renter cost-burden rate

37.6%

≥30% of income

Owner cost-burden rate

12.8%

≥30% of income

Homeowner vacancy

1.5%

Of owner-occupied + for-sale units

Rental vacancy

13.8%

Of renter-occupied + for-rent units

Overall vacancy

13.7%

All housing units

Price-to-income ratio

2.78

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Pontotoc County	Oklahoma
Population	38,235	4,028,634
Population density (per sq. mi.)	53.08	—
Median household income	$63,017	$65,795
HUD Area Median Income (4-person, 100%)	$84,200	—
Households	15,134	—
Average household size	2.45 people	—
Owner-occupied	66.0%	65.8%
Renter-occupied	34.0%	34.2%
Race	63.7% White · 2.5% 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

Pontotoc County compared with Oklahoma.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

30.3% 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	15.5%	$50,494	$1,262	$156,936
1 earner	35.1%	$56,504	$1,413	$179,308
2 earners	41.2%	$105,537	$2,638	$361,825
3+ earners	8.2%	$128,207	$3,205	$446,210

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

15,134

Average size: 2.45 people

Households with children

4,284

28.3% of households

Per-capita income

$32,480

Poverty rate: 12.3%

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 78.3% · Missing middle (2–19 units) 11.0%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

51.8% built before 1980 · Median structure age 1,978.00 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: $175,400.

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: $889.

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 2,397 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 6.2% · For rent 34.3% · Seasonal 3.3% · Other 52.7%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

44.0% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 56.0% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

0.5%

79 units of 17,531 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

7.2%

1,263 units of 17,531 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$50,414

100% MHI$63,017

120% MHI$75,620

County-wide median from ACS 5-year estimates. A household at 100% MHI in Pontotoc 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	$47,150	$53,900	$67,350
100% AMI	$58,940	$67,360	$84,200
120% AMI	$70,750	$80,850	$101,050

HUD FMR Area: Pontotoc 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

37.6% of renter households spend ≥30% of income on rent (17.9% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

12.8% 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 Pontotoc County.

Covered employment

15,171

Across 19 sectors

Establishments

1,178

QCEW 2024

Avg annual pay (workforce)

$54,267

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	3,266	$73,198	$241,448	+$66,048	$1,830
NAICS 62 Health care and social assistance NAICS 62	2,690	$53,150	$166,823	−$8,577	$1,329
NAICS 44-45 Retail trade NAICS 44-45	2,014	$33,206	$92,584	−$82,816	$830
NAICS 31-33 Manufacturing NAICS 31-33	1,536	$59,333	$189,838	+$14,438	$1,483
NAICS 72 Accommodation and food services NAICS 72	1,180	$20,062	$43,658	−$131,742	$502
NAICS 54 Professional, scientific, and technical services NAICS 54	784	$60,652	$194,748	+$19,348	$1,516
NAICS 23 Construction NAICS 23	640	$58,101	$185,252	+$9,852	$1,453
NAICS 71 Arts, entertainment, and recreation NAICS 71	532	$62,543	$201,787	+$26,387	$1,564
NAICS 52 Finance and insurance NAICS 52	468	$63,580	$205,647	+$30,247	$1,590
NAICS 56 Administrative and support and waste management and remediation services NAICS 56	460	$48,083	$147,962	−$27,438	$1,202
NAICS 42 Wholesale trade NAICS 42	416	$63,817	$206,529	+$31,129	$1,595
NAICS 81 Other services (except public administration) NAICS 81	351	$41,641	$123,982	−$51,418	$1,041
NAICS 21 Mining, quarrying, and oil and gas extraction NAICS 21	269	$63,330	$204,716	+$29,316	$1,583
NAICS 53 Real estate and rental and leasing NAICS 53	219	$54,782	$172,898	−$2,502	$1,370
NAICS 51 Information NAICS 51	103	$59,553	$190,657	+$15,257	$1,489
NAICS 61 Educational services NAICS 61	98	$50,048	$155,276	−$20,124	$1,251
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	61	$28,945	$76,724	−$98,676	$724
NAICS 48-49 Transportation and warehousing NAICS 48-49	55	$71,201	$234,015	+$58,615	$1,780
NAICS 55 Management of companies and enterprises NAICS 55	29	$95,476	$324,375	+$148,975	$2,387

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 921 Executive, legislative, and other general government support NAICS 921	2,916	$75,041	$248,309	+$72,909	$1,876
NAICS 722 Food services and drinking places NAICS 722	1,096	$20,336	$44,678	−$130,722	$508
NAICS 622 Hospitals NAICS 622	1,092	$60,343	$193,598	+$18,198	$1,509
NAICS 541 Professional, scientific, and technical services NAICS 541	784	$60,652	$194,748	+$19,348	$1,516
NAICS 621 Ambulatory health care services NAICS 621	726	$67,376	$219,777	+$44,377	$1,684
NAICS 624 Social assistance NAICS 624	587	$30,055	$80,855	−$94,545	$751
NAICS 455 General merchandise retailers NAICS 455	510	$28,332	$74,442	−$100,958	$708
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	493	$32,127	$88,568	−$86,832	$803
NAICS 522 Credit intermediation and related activities NAICS 522	367	$58,427	$186,466	+$11,066	$1,461
NAICS 561 Administrative and support services NAICS 561	309	$44,432	$134,371	−$41,029	$1,111
NAICS 623 Nursing and residential care facilities NAICS 623	286	$36,791	$105,929	−$69,471	$920
NAICS 424 Merchant wholesalers, nondurable goods NAICS 424	266	$53,530	$168,237	−$7,163	$1,338
NAICS 238 Specialty trade contractors NAICS 238	261	$48,541	$149,667	−$25,733	$1,214
NAICS 441 Motor vehicle and parts dealers NAICS 441	256	$52,491	$164,370	−$11,030	$1,312
NAICS 236 Construction of buildings NAICS 236	244	$64,547	$209,246	+$33,846	$1,614
NAICS 327 Nonmetallic mineral product manufacturing NAICS 327	199	$87,617	$295,121	+$119,721	$2,190
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	197	$33,354	$93,135	−$82,265	$834
NAICS 445 Food and beverage retailers NAICS 445	185	$22,748	$53,656	−$121,744	$569
NAICS 811 Repair and maintenance NAICS 811	154	$52,617	$164,839	−$10,561	$1,315
NAICS 812 Personal and laundry services NAICS 812	154	$30,552	$82,705	−$92,695	$764
NAICS 456 Health and personal care retailers NAICS 456	152	$46,210	$140,990	−$34,410	$1,155
NAICS 562 Waste management and remediation services NAICS 562	151	$55,556	$175,779	+$379	$1,389
NAICS 923 Administration of human resource programs NAICS 923	139	$55,181	$174,383	−$1,017	$1,380
NAICS 532 Rental and leasing services NAICS 532	138	$57,597	$183,376	+$7,976	$1,440
NAICS 237 Heavy and civil engineering construction NAICS 237	135	$64,935	$210,691	+$35,291	$1,623
NAICS 484 Truck transportation NAICS 484	126	$52,264	$163,525	−$11,875	$1,307
NAICS 212 Mining (except oil and gas) NAICS 212	123	$64,248	$208,133	+$32,733	$1,606
NAICS 457 Gasoline stations and fuel dealers NAICS 457	120	$21,906	$50,522	−$124,878	$548
NAICS 611 Educational services NAICS 611	98	$50,048	$155,276	−$20,124	$1,251
NAICS 336 Transportation equipment manufacturing NAICS 336	90	$41,713	$124,250	−$51,150	$1,043
NAICS 922 Justice, public order, and safety activities NAICS 922	85	$47,481	$145,721	−$29,679	$1,187
NAICS 721 Accommodation NAICS 721	84	$16,483	$30,336	−$145,064	$412
NAICS 211 Oil and gas extraction NAICS 211	82	$66,600	$216,888	+$41,488	$1,665
NAICS 423 Merchant wholesalers, durable goods NAICS 423	76	$68,399	$223,585	+$48,185	$1,710
NAICS 425 Wholesale trade agents and brokers NAICS 425	74	$96,086	$326,645	+$151,245	$2,402
NAICS 213 Support activities for mining NAICS 213	64	$57,376	$182,553	+$7,153	$1,434
NAICS 524 Insurance carriers and related activities NAICS 524	64	$66,350	$215,958	+$40,558	$1,659
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	59	$20,247	$44,347	−$131,053	$506
NAICS 491 Postal service NAICS 491	55	$71,201	$234,015	+$58,615	$1,780
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	46	$23,972	$58,212	−$117,188	$599
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	41	$37,180	$107,377	−$68,023	$930
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	40	$43,077	$129,328	−$46,072	$1,077
NAICS 517 Telecommunications NAICS 517	33	$79,923	$266,481	+$91,081	$1,998
NAICS 551 Management of companies and enterprises NAICS 551	29	$95,476	$324,375	+$148,975	$2,387
NAICS 513 Publishing industries NAICS 513	24	$72,462	$238,709	+$63,309	$1,812
NAICS 516 Broadcasting and content providers NAICS 516	24	$54,165	$170,601	−$4,799	$1,354
NAICS 488 Support activities for transportation NAICS 488	23	$59,598	$190,824	+$15,424	$1,490
NAICS 332 Fabricated metal product manufacturing NAICS 332	14	$49,846	$154,524	−$20,876	$1,246
NAICS 311 Food manufacturing NAICS 311	12	$43,626	$131,371	−$44,029	$1,091
NAICS 928 National security and international affairs NAICS 928	7	$64,060	$207,434	+$32,034	$1,602
NAICS 924 Administration of environmental quality programs NAICS 924	4	$41,857	$124,786	−$50,614	$1,046
NAICS 926 Administration of economic programs NAICS 926	4	$82,162	$274,815	+$99,415	$2,054
NAICS 814 Private households NAICS 814	3	$28,316	$74,382	−$101,018	$708

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	2,910	330	13%	$10.48	$21,790	$50,090	$545
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	5,690	1,280	29%	$11.34	$23,600	$56,828	$590
Cashiers SOC 41-2011	5,810	660	13%	$12.80	$26,620	$68,069	$666
Childcare Workers SOC 39-9011	1,210	620	105%	$14.92	$31,030	$84,485	$776
Retail Salespersons SOC 41-2031	4,040	(440)	(10%)	$15.27	$31,750	$87,165	$794
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	2,380	(1,070)	(31%)	$16.54	$34,410	$97,066	$860
Tellers SOC 43-3071	1,010	120	13%	$16.92	$35,190	$99,970	$880
Office Clerks, General SOC 43-9061	3,350	(680)	(17%)	$17.10	$35,570	$101,384	$889
Construction Laborers SOC 47-2061	1,100	(270)	(20%)	$19.60	$40,770	$120,740	$1,019
Maintenance and Repair Workers, General SOC 49-9071	2,920	830	40%	$20.68	$43,020	$129,116	$1,076
Paramedics SOC 29-2043 · prior-year code differs	280	(340)	(55%)	$21.93	$45,620	$138,794	$1,141
Elementary School Teachers, Except Special Education SOC 25-2021	3,130	1,030	49%	—	$47,860	$147,132	$1,197
Carpenters SOC 47-2031	290	(60)	(17%)	$23.23	$48,320	$148,844	$1,208
Firefighters SOC 33-2011	660	330	100%	$23.68	$49,250	$152,306	$1,231
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	570	—	—	$24.52	$51,010	$158,857	$1,275
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	3,650	(80)	(2%)	$27.23	$56,640	$179,814	$1,416
Police and Sheriff's Patrol Officers SOC 33-3051	1,800	800	80%	$27.35	$56,890	$180,744	$1,422
Electricians SOC 47-2111	820	20	3%	$30.89	$64,260	$208,178	$1,607
Registered Nurses SOC 29-1141	3,220	380	13%	$37.55	$78,090	$259,658	$1,952

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: 40123 · pulled from Full Housing Data Table.xlsx.