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Carter
Oklahoma

48K

Population

$56K

Median Income

$177K

Median Home

R+53

Politics

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What stands out

If you had to describe Carter County in numbers, start here: the share working from home is in the bottom 11% of American counties (3%), the uninsured rate is in the top 11% of American counties (16.2%), and winter sunshine is in the top 11% of American counties (1.0 on the USDA scale). Within Oklahoma it ranks 13th of 77 counties for the share working from home, counting from the bottom.

Where you are

You live in Carter County, Oklahoma. 48,202 people live here with you. The population grew 0.5% last year, and more Americans moved in than out (net +316).

Oklahoma has a graduated income tax reaching 4.5%, exempts Social Security, and has some of the lowest home prices and property taxes in the country. Most of the state is in the highest-risk tornado zone in the world, and the Oklahoma City area has also seen frequent earthquakes linked to oil and gas wastewater disposal. Native American tribal nations hold significant jurisdiction across the eastern half of the state.

Money

The typical household here brings in $56,390 a year, lower than 63% of American counties. Employers pay an average wage of $53,952. Unemployment runs 3.5%, higher than 53% of American counties. 3% of workers work from home.

Oklahoma takes 4.1% of that median income in state income tax, about $2,323 a year.

Home

The median home costs $178K, cheaper than 73% of American counties, about 2.0 years of the median household's income. A two-bedroom rents for around $899 a month. Property tax is 0.79% of home value, roughly $1,143 a year on that median home, lower than 56% of American counties. 67% of households own rather than rent.

Safety and health

Violent crime here is 4.3 per 1,000 residents, higher than 71% of American counties. Drug overdoses killed 14 people per 100,000 in 2024.

A child born here can expect to live 72.4 years, shorter than 85% of American counties. There are 88 active physicians in the county, about 18.3 per 10,000 people. Medicare rates the local hospitals 4.0 of 5 stars. 16.2% of people under 65 have no health insurance.

School

Local students test at grade level 3.01 where 3.0 is national grade level, higher than 51% of American counties. 87% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 53 points, among the most lopsided counties in the country. 55% of eligible voters turned out. Under Oklahoma law you can carry a concealed handgun without a permit, abortion is banned with narrow exceptions, and marijuana is medical only.

Weather and risk

The year averages 64°F, highs near 74 and lows near 53, warmer than 79% of American counties. About 44 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 79 out of 100, riskier than 79% of American counties; the county has had 33 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 154 Mbps down, slower than 69% of American counties. There are 8 airports in the county, counting general aviation. For a night or a weekend out: 0.9 full-service restaurants per 1,000 people.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$56K
This county
national avg ~$75K
Poverty Rate15.5%
This county
national avg ~11.5%
Unemployment Rate3.5%
This county
national avg ~3.8%
GDP per Capita$79,075
Federal Spending per Capita$644
Median Individual Earnings$39K
This county
national avg $45K
Professional/Management Workers31.3%
Average Adjusted Gross Income$68K
Avg Credit Score659
Work From Home %3.4%
This county
national avg 17.0%
Population Under 1825.1%
This county
national avg 22.0%
Single-Person Households31.9%
This county
national avg 28.0%
Banks & Finance Firms53
Income (20th Percentile)$26K
Income (80th Percentile)$114K
Income (95th Percentile)$191K
Bachelor's Degree or Higher19.6%
This county
national avg 34.3%
Less Than High School12.6%
This county
national avg 11.0%
Knowledge Economy GDP %0.8%
Dependency Ratio0.73
Medicare Spending / Person$3,761
SS Benefits / Person$4,441
Education Wage Premium1.84x
Median Earnings (Bachelor's)$58K
Median Earnings (Graduate)$64K
Median Earnings (HS Diploma)$35K
Public Assistance Recipients2.7%
Average Annual Wage$54K
Professional Services Concentration0.46x national
This county
1.0 = national average share
Federal Government Jobs Located Here105
Federal Share of Jobs Located Here0.4%
Residents Who Work for the Federal Government3.0%
Federal Civilian Share of Earnings0.7%
Federal Contract Dollars Performed Here (FY2025)$4M
Contract Dollars Relative to Local Wages0.00x wages
Largest Award's Share of Contract Dollars31%
Oil and Gas Share of Private Jobs2.9%
Oil and Gas Extraction, Drilling and Support Jobs619

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$177K
This county
$215K state avg
$303K national
Median Sale Price$191K
This county
$303K national
Market Rent (ZORI)$1251/mo
This county
$1000/mo state avg
$1400/mo national
Property Tax Rate0.79%
This county
0.85% state avg
1.10% national

Annual tax on median home: $1,143

Affordability & Supply

HUD Fair Market Rent (2BR)$1,054/mo
Home Price Change (1 yr)+2.2%++2.3% since 2024
Home Value to Income Ratio2.0x income
Severely Cost-Burdened Households9.3%
Homeownership Rate67.4%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Sale-to-List Ratio— Buyers market — homes selling below list
94.0%
Listings with Price Cuts— Low — market moving fast
23.4%
Sold Above List Price
15.1%
Median Days to Close
37 days
Active Listings
349
New Listings / Month
67

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Slow — buyers have leverage
46 days
Months of Supply (Redfin)— Balanced market
5.2 mo
Sold Above List (Redfin)
7.7%

Sale-to-List Cross-Reference

Zillow 94.0%  ·  Redfin 94.8%

Source: Redfin · Updated monthly

Health

Life Expectancy72.4 yrs
This county
national avg ~78.5 years
Hospital Rating4.0 / 5
This county
national avg 3.0 stars
Food Insecurity14.3%
This county
national avg ~11%
Food Environment Index7.0 / 10
This county
higher = better access
Primary Care Shortage Score17
This county
national avg 5
Mental Health Shortage Score19
Dental Care Shortage Score19
Healthcare Shortage Score18.3
Healthcare Offices158
Obesity Rate (BRFSS)39.7%
This county
national avg 32.0%
Smoking Rate (BRFSS)18.2%
This county
national avg 14.0%
Poor Health Rate (BRFSS)21.2%
This county
national avg 18.0%
Physical Inactivity (BRFSS)33.6%
This county
national avg 24.0%
High Blood Pressure (BRFSS)37.8%
This county
national avg 32.0%
Active Physicians88
Nursing Home Rating3.5 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients801 / 1,000
Medicare Cost per Beneficiary$16,632
Uninsured (under 65)16.2%
This county
national avg ~10%
Adults with Depression26.2%

Education

Math Test Scores3.00 grade level
Reading Test Scores3.02 grade level
HS Diploma Holders9,618
Bachelor's Degree Holders3,668
HS Completion Rate87.4%
This county
national avg ~85%
Private Schools13

Safety

Violent Crime Rate4.3 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate21.2 / 100K
This county
national avg ~13.6/100K
Homicide Rate6.8 / 100K
This county
national avg ~7.5/100K
Drug Overdose Rate21.4 / 100K
This county
national avg ~21/100K
Traffic Fatalities8
Social Vulnerability (CDC SVI)78th pct
Drug Overdose Deaths (2024)13.5 / 100K
Suicide Rate25.3 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale1.2
January Sunshine1.04
January Temperature0.81
Average Temp64°F+0.6% since 2022
Avg High Temp74°F-0.9% since 2022
Avg Low Temp53°F+2.9% since 2022
Median AQIAQI 48
Good Air Days189 days/yr
Unhealthy Air Days17 days/yr
Annual Precipitation43.8 in/yr+55% since 2022
Avg Storm Events12.2 storms/yr
Avg Annual Storm Damage$13K
Ozone Days210 days/yr
This county
national avg 50 days/yr
Drought Index (2022)-1.18
Heating Degree Days2,667 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days2,217 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)3,104 HDD/yr
Cooling Degree Days (1901–2000 Baseline)2,208 CDD/yr
Avg Tornadoes / Year0.4
Avg Flood Events / Year0.8
Avg Hail Events / Year8.0
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)79 / 100
Community Resilience (FEMA)38 / 100
Federal Disaster Declarations33 since 1953
Fine Particulate Pollution (PM2.5)9.5 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)24 properties
FAA-Registered Airports10 total
Airports (excl. heliports)8 airports

Internet & Remote Work

Download Speed154 Mbps
This county
national avg ~120 Mbps
Upload Speed26 Mbps
Fixed Internet (Q1 2026)374 Mbps
Mobile Internet (Q1 2026)223 Mbps
Mobile Upload (Q1 2026)18 Mbps
Mobile Latency (Q1 2026)46 ms
Households with 100Mbps+72.2%
This county
national avg 75.0%
Cellular-Only Internet16.2%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)223 Mbps

EV Infrastructure

EV Charging Stations10 stations
DC Fast Chargers26 chargers
Level 2 EV Chargers12

Commute & Transit

Remote Workers725 workers
Public Transit Commuters81 workers
Walk to Work (workers)301 workers
Extreme Commutes (90+ min)436 workers
Bike Commuters0.1%
Walk to Work1.4%

Families & Childcare

Childcare Cost Burden29.5%
This county
national median ~27% of household income
Childcare Centers11.3 per 10K residents
Childcare Facilities10

Civic & Community

Voter Turnout55.2%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)4.448
Nonprofit Organizations190
Veterans Share7.7%
This county
national avg 7.0%
Married Adults50.9%
Never-Married Adults26.2%
Divorced Adults15.2%
Religious Organizations46
Asian Population1.3%
Native American Population7.7%
Membership Associations10.6 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.91 per 1K residents
Colleges & Universities1
Nursing & Care Facilities19
Grocery Stores18
Hotels & Lodging28
Recreation Businesses14
Professional Services Firms132
Veterinary Practices7
Real Estate Firms36
Debt Burden
Avg Mortgage Balance$60K
Avg Student Loan Balance$10K
Avg Credit Card Balance$4K
Loan Delinquency Rate51.1%
This county
national avg 4.0%

Innovation

Inventor Rate0.09%

Politics

R+53

2024 Presidential · Oklahoma was R+33 statewide

vs Oklahoma State

Income tax
4.75%Same (state law)
Property tax
0.79%0.85% state avg
Politics
R+53R+33
COL Index
87state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↑ +316

More people arriving than leaving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.88x avg income)

Economic Mobility

41%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Carter County

Median home value: $178K

View on Zillow →View on Realtor.com →

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Full Oklahoma profile

Taxes, cost of living, crime, schools, gun laws and more.

View Oklahoma →

Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

Adjust and every page updates live

Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable