countyscore
39.1
County Score
Property Tax 61.9Cost of Living 55.7Weather & Climate 52.3

County Report Card

About Stephens County, Oklahoma

A Stable Mid-Tier National Profile

Stephens County holds a composite score of 39.1, placing it within the lower tier of the national 50.0 median. While it doesn't lead the nation, it maintains a steady profile across several livability metrics. It represents the quiet, middle-of-the-road American experience.

Consistency Near the State Average

With a score of 39.1, Stephens County sits just below the Oklahoma state average of 43.0. Its median household income of $60,236 is solid for the region, providing a stable economic base. The county operates as a reliable, if not flashy, part of the Oklahoma heartland.

Tax and Cost Balance

The tax score of 61.9 and cost score of 55.7 offer a balanced financial environment for residents. A median home value of $135,100 is paired with an effective tax rate of 0.711%. These numbers suggest a community where middle-class families can find a comfortable foothold.

Infrastructure and Safety Gaps

Water infrastructure is a notable concern with a score of 11.6, while safety and schools score 25.6 and 27.4 respectively. These figures indicate that public investment has not yet kept pace with the county's steady population. Strengthening these core services would significantly boost its overall ranking.

Perfect for the Established Middle Class

Stephens County is a great match for established families who seek a predictable, affordable life. The solid median income and manageable housing costs create a sense of financial security. It suits those who value a traditional community and a manageable pace of life.

Score breakdown

Tax61.9Cost55.7Safety25.6Health27.8Schools27.4Income39.8Risk34.1Water11.6Weather52.3
🏛61.9
Property Tax
Effective property tax rate vs national benchmarks
TaxByCounty →
🏠55.7
Cost of Living
Median rent, home values, and housing affordability
CostByCounty →
💼39.8
Income & Jobs
Median household income and per capita earnings
IncomeByCounty →
🛡25.6
Safety
Violent and property crime rates per 100K residents
CrimeByCounty →
❤27.8
Health
Life expectancy, uninsured rates, and health access
HealthByCounty →
🎓27.4
Schools
Graduation rates, per-pupil spending, and attainment
SchoolsByCounty →
⚡34.1
Disaster Risk
FEMA National Risk Index — flood, fire, tornado, and more
RiskByCounty →
💧11.6
Water Quality
EPA drinking water health violations and safety grades
WaterByCounty →
🌤52.3
Weather & Climate
Average temperatures, precipitation, and extreme weather events
WeatherByCounty →
🪨34.7
Soil Quality
Soil composition, pH, drainage, and organic matter content
SoilByCounty →
🌱45.5
Lawn Care
Lawn difficulty score based on climate, soil, and grass suitability
LawnByCounty →
🛒
Farmers Markets
Local market density, SNAP/EBT acceptance, and product variety
MarketsByCounty →
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Nearby counties

Comanche County
Oklahoma
26.7
Garvin County
Oklahoma
41.3
Grady County
Oklahoma
39.7
Cotton County
Oklahoma
42
Jefferson County
Oklahoma
49.2
Clay County
Texas
39.4
Carter County
Oklahoma
31.3
McClain County
Oklahoma
39.8

Deep Dives

Stephens County across the ByCounty Network

Detailed analysis from 10 data dimensions — each powered by a dedicated ByCounty site.

Property Tax in Stephens County

via TaxByCounty

Stephens County taxes slightly above U.S. median

Stephens County's 0.711% effective tax rate edges above the national median of 0.73%, placing it near the 50th percentile nationally. The $961 median annual property tax falls well below the national median of $2,690, reflecting Oklahoma's lower property values.

Above average within Oklahoma

Stephens ranks 33rd among Oklahoma's 77 counties with its 0.711% effective rate, exceeding the state average of 0.652% by about 0.06 percentage points. Annual property taxes here run barely above the state median of $959.

Middle ground in southwest Oklahoma

Stephens County's 0.711% rate sits between neighboring Comanche County (around 0.68%) and Cotton County (slightly higher), positioning it as typical for the southwest region.

Median homes valued at $135,100

On a median home value of $135,100, Stephens County property owners pay $961 annually in property taxes. Homeowners with mortgages pay $1,151 per year; those without pay $832.

Review assessments for potential savings

Stephens County residents should verify that their assessed values reflect current market conditions. Filing an assessment appeal costs nothing and could reduce your annual tax liability if your property is overvalued.

Full property tax analysis on TaxByCounty

Cost of Living in Stephens County

via CostByCounty

Stephens County approaches affordability threshold

Stephens County's 17.2% rent-to-income ratio sits just above Oklahoma's state average, placing renters near the edge of comfort—economists recommend spending no more than 30% on housing, and Stephens leaves reasonable margins. At $865/month against $60,236 median income, the county offers moderate affordability.

Middle-of-the-road affordability for Oklahoma

Stephens County's 17.2% rent-to-income ratio matches Oklahoma's state average of 17.0%, placing it squarely in the middle tier for affordability across the state. This reflects a balance between modest rents and respectable incomes that characterizes many rural Oklahoma counties.

Pricier than panhandle partners, cheaper than metros

Stephens County's $865 monthly rent exceeds Roger Mills ($708) and Tillman ($704) but trails Texas County ($939) and Tulsa ($1,060). The county positions itself as a mid-tier rental market, neither the panhandle's bargain nor the urban centers' premium pricing.

Renters and owners both share burden

Renters spend $865/month (17.2% of income) while homeowners pay $740/month (14.7% of income) on median household earnings of $60,236. Stephens County offers a reasonable balance between rental and ownership costs, with both paths consuming less than 20% of household income.

Stephens County balances cost and comfort

If you earn near Stephens County's $60,236 median income, your 17.2% rent burden sits at Oklahoma's state average—manageable but not extraordinary. Compare this to Roger Mills' 13.6% ratio for potential savings, or accept Stephens as a solid middle option if proximity to town amenities justifies slightly higher housing costs.

Full cost of living analysis on CostByCounty

Income & Jobs in Stephens County

via IncomeByCounty

Stephens County earns above national median

At $60,236, Stephens County's median household income falls short of the national median of $74,755 by about $14,500. The county still ranks in the middle range of U.S. counties, outperforming many rural areas across the country.

Middle-upper tier in Oklahoma

Stephens County's $60,236 median household income ranks above Oklahoma's state average of $58,273 by roughly $2,000. The county holds its own in Oklahoma's income rankings, reflecting a diversified local economy and steady employment.

Outearns most adjacent counties

Stephens County's income exceeds Seminole ($46,191), Sequoyah ($49,795), Tillman ($47,445), and Texas ($59,275). Only Rogers County ($77,688) significantly outearns Stephens, marking it as a regional economic leader in south-central Oklahoma.

Housing costs are reasonable

At 17.2%, Stephens County's rent-to-income ratio sits just above the 15% affordability line, indicating manageable but tight housing costs. With a median home value of $135,100, households earning the county median can afford homeownership with disciplined budgeting.

Seize your income stability for growth

Stephens County's above-average state income provides real opportunity to invest and save beyond basic expenses. Direct 12–15% of income to retirement accounts and investment funds, and use your stable local economy as a foundation for long-term financial planning.

Full income & jobs analysis on IncomeByCounty

Safety in Stephens County

via CrimeByCounty

Stephens County Exceeds National Standards

Stephens County earns an impressive safety score of 97.1, far exceeding the national norm. Its total crime rate of 1,828.9 per 100,000 residents is roughly 23% lower than the national average of 2,385.5. This performance marks the county as a notably safe place to live.

A Safety Leader in Oklahoma

Stephens County stands out in Oklahoma with a safety score of 97.1, compared to the state average of 95.8. Its crime rate is also significantly better than the state average of 2,647.7. Six reporting agencies ensure that safety data is tracked accurately across the county.

Outpacing Nearby Counties in Safety

Stephens County's crime rate of 1,828.9 is much lower than Rogers County’s 2,263.5 and Tillman County’s 2,153.1. It also maintains a violent crime rate of 204.0, which is significantly lower than Tillman's 413.5. This makes Stephens one of the more secure options in this part of the state.

Analyzing Violent and Property Crime

Violent crime in Stephens County is low, at 204.0 per 100,000 residents—well below the national 369.8. Property crime accounts for 1,624.9 incidents, which is also lower than the national property crime rate of 2,015.7. The overall data reflects a community with few major public safety threats.

Keep Stephens County Secure

Even with low crime rates, it is vital to lock all doors and secure vehicles at night. Most property crimes in safe areas are crimes of opportunity that can be easily prevented. Using smart home technology can help maintain the county's excellent safety reputation.

Full safety analysis on CrimeByCounty

Health in Stephens County

via HealthByCounty

Stephens County lives slightly below U.S. average

At 73.8 years, Stephens County's life expectancy falls just 1.7 years below the U.S. average of 73.5 years, reflecting moderate health outcomes. The 21.8% poor/fair health rate sits close to the national 21% average, suggesting health challenges typical of rural Oklahoma communities.

Slightly above Oklahoma's median health

Stephens County's 73.8-year life expectancy exceeds Oklahoma's state average of 72.7 years, positioning the county in the upper-middle tier of Oklahoma's health rankings. This modest advantage suggests the county manages chronic diseases reasonably well despite rural healthcare constraints.

Mid-range health within region

Stephens County's 73.8-year life expectancy and 21.8% poor/fair health rate place it between stronger-performing Rogers County (75.9 years) and challenged Seminole County (69.0 years). The county performs better than most nearby rural peers, though still trails Oklahoma's healthiest counties.

Below-average uninsured rate, moderate provider access

At 14.4% uninsured, Stephens County performs better than Oklahoma's 15.3% state average, giving most residents health coverage. The county maintains 39 primary care providers and 125 mental health providers per 100,000 residents, though mental health capacity remains limited compared to more urban areas.

Strengthen coverage for stability

With 14.4% of Stephens County residents uninsured, ensuring continuous coverage protects families from health crises. Visit Healthcare.gov or contact the Oklahoma Health Care Authority to explore Medicaid, marketplace plans, or community health services that fit your family's needs.

Full health analysis on HealthByCounty

Schools in Stephens County

via SchoolsByCounty

High-Efficiency Schools Across 8 Districts

Stephens County serves 7,474 students through a network of 26 public schools across 8 districts. The county's infrastructure is well-balanced with 12 elementary, 6 middle, and 7 high schools.

Graduation Rates Surpass National Benchmarks

Stephens County boasts an impressive 89.3% graduation rate, significantly outperforming both the state and national averages. This high performance is achieved despite a lower-than-average per-pupil expenditure of $5,723.

Duncan District Leads the Way

The Duncan district is the largest by far, managing 8 schools and serving 3,361 students. Comanche and Central High districts also provide essential services to the county's southern and rural regions.

Substantial Schools in a Rural Context

With 11 schools in town locales and 15 in rural areas, the county offers a versatile educational landscape. The average school size is 287, but Duncan HS stands out as a major regional hub with 946 students.

Home Buying in a High-Performance County

Stephens County is a prime destination for families prioritizing graduation success and academic efficiency. Consider homes in the Duncan or Marlow districts to secure access to some of the region's most successful public schools.

Full schools analysis on SchoolsByCounty

Disaster Risk in Stephens County

via RiskByCounty

Stephens County above national average risk

Stephens County's composite risk score of 65.94 exceeds the Oklahoma state average of 55.47, placing it in the relatively low category nationally. The county faces measurably higher natural disaster exposure than the typical U.S. region.

Upper-middle risk tier in Oklahoma

Stephens County ranks in the upper-middle range of Oklahoma's 77 counties, with a risk score 19% above the state average. The county experiences notably higher hazard exposure than most Oklahoma communities but below the state's highest-risk counties.

Elevated risk in south-central Oklahoma

Stephens County's 65.94 score positions it above nearby Texas County (56.65) but below Sequoyah County (79.10), reflecting its location in Oklahoma's varied south-central region. The county's risk profile bridges the lower and upper-risk tiers of the state.

Tornadoes and wildfire the primary concerns

Tornado risk (89.76) is Stephens County's highest hazard exposure, followed closely by wildfire risk (88.55), both reflecting the county's location in Oklahoma's active weather zone. Earthquake risk (62.63) presents a moderate tertiary threat.

Storm safety and fire protection essential

Stephens County homeowners should invest in comprehensive homeowners coverage emphasizing wind and hail protection for tornado season. Maintaining a storm shelter and creating defensible space around structures provides critical protection against both tornado and wildfire threats.

Full disaster risk analysis on RiskByCounty

Weather & Climate in Stephens County

via WeatherByCounty

Significant warmth in the American heartland

Stephens County averages 61.9°F annually, roughly eight degrees warmer than the national average. It receives 36.4 inches of rain, which is very close to the state's typical precipitation level.

Warmer than the typical Oklahoma county

With an annual temperature of 61.9°F, Stephens is warmer than the Oklahoma state average of 60.4°F. Its rainfall is almost exactly in line with the state average of 37.2 inches.

Drier than its eastern Oklahoma neighbors

Stephens County receives 11 inches less rain than Sequoyah County, illustrating the state's east-to-west drying trend. It maintains a high number of extreme heat days, totaling 76 annually.

Hot summers with very little snow

The county experiences 76 days of 90°F heat, with July temperatures averaging a warm 82.6°F. Winters are manageable with an average of 42.2°F and only 2.8 inches of snow.

Focus on sun protection and irrigation

With 76 days of extreme heat, UV protection and consistent hydration are vital for outdoor activities. Gardeners should plan for supplemental irrigation during the hot 80.9°F average summers.

Full weather & climate analysis on WeatherByCounty

Soil Quality in Stephens County

via SoilByCounty

Stephens County's Mildly Acidic Identity

The soil pH in Stephens County averages 5.83, which is closer to the state average of 6.06 than many eastern counties. However, it remains more acidic than the national median of 6.5. This pH level is generally manageable for most regional agricultural practices with minimal intervention.

A Balanced Mix of Sand and Silt

The soil is comprised of 44.7% sand, 27.6% silt, and 16.8% clay. This texture provides a stable medium that allows for decent aeration while retaining some moisture. It is a versatile mix that supports both grazing lands and residential landscaping.

Meeting the State Average for Water

The available water capacity is 0.144 in/in, matching the Oklahoma state average exactly. Organic matter levels reach 1.57%, which is just below the state norm of 1.72%. With a soil score of 34.7, the county is nearly on par with the statewide productivity average of 35.3.

Infiltration Challenges in Group D

Stephens County soil falls into Hydrologic Group D, suggesting limited water infiltration and high runoff. This classification is common in the region and implies that the soil may stay saturated for long periods after rain. Farmers should monitor for erosion, especially on sloped terrains.

Warmth and Growth in Zone 8a

As part of Hardiness Zone 8a, Stephens County enjoys a very long growing season and mild winters. This climate is ideal for okra, cotton, and various fruit trees that require a long heat window. The soil's balanced water capacity makes it an excellent candidate for a productive backyard garden.

Full soil quality analysis on SoilByCounty

Lawn Care in Stephens County

via LawnByCounty

Average Oklahoma Conditions in Stephens

Stephens County mirrors the state's lawn care experience with a difficulty score of 45.5, just shy of the Oklahoma average of 46.1. This Zone 8a region offers a longer growing window but faces typical Southern Plains environmental stresses. Keeping a green lawn here requires standard Oklahoma maintenance practices.

Warm Temperatures and Steady Rain

Annual precipitation of 36.4 inches is perfectly within the ideal range for sustaining healthy turf. The county experiences 76 extreme heat days, which exactly matches the Oklahoma state average. This high-energy climate is reflected in the 5,375 growing degree days, suggesting very rapid grass growth.

Managing Sandy Soil with Low pH

The soil pH of 5.83 is just below the ideal 6.0-7.0 threshold, meaning slight lime adjustments may be beneficial. The soil is relatively sandy at 44.7%, which aids in drainage but may require more frequent watering than clay-heavy soils. With only 16.8% clay, compaction is less of a concern than in other parts of the state.

Extreme Drought Challenges Local Yards

Drought is a major concern here, with 97.7% of the county currently in severe drought conditions. This follows 24 weeks of drought over the past year, placing immense stress on non-irrigated lawns. Homeowners should prioritize water conservation by using smart irrigation controllers and avoiding mid-day watering.

Extended Growing in Zone 8a

Warm-season grasses like Bermuda or St. Augustine are the best picks for the local heat and Zone 8a status. You can start planting as early as March 25, and your lawn will likely stay active until the first frost on November 7. This long window is perfect for establishing a thick, resilient turf before the summer heat peaks.

Full lawn care analysis on LawnByCounty

Frequently Asked Questions

What is Stephens County's county score?
Stephens County, Oklahoma has a composite county score of 39.1 out of 100 on CountyScore. This score is calculated from a weighted average of available data dimensions including property tax, cost of living, income, safety, health, and schools.
How does Stephens County rank among counties in Oklahoma?
Stephens County ranks #53 among all counties in Oklahoma on CountyScore's composite ranking. Rankings are based on available data dimensions and updated as new data is added.
What are property taxes like in Stephens County, Oklahoma?
The median annual property tax in Stephens County is $961, with an effective tax rate of 0.71%. This earns Stephens County a tax score of 61.9/100 on CountyScore (higher = lower taxes).
What is the median household income in Stephens County?
The median household income in Stephens County, Oklahoma is $60,236 per year according to U.S. Census Bureau data. Stephens County earns an income score of 39.8/100 on CountyScore.
Is Stephens County, Oklahoma a good place to live?
Stephens County scores 39.1/100 on CountyScore's overall county ranking, ranking #53 in Oklahoma. The best way to evaluate Stephens County is to compare individual dimension scores — property tax, cost of living, income, safety, health, and schools — based on your personal priorities. Use CountyScore to compare Stephens County with other counties side by side.

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Data from U.S. Census Bureau ACS, FBI UCR, CDC, FEMA NRI, NCES, EPA SDWIS, NOAA — informational only.