Payne County, OK
FIPS: 40119
Median HAM
9.7x
Elevated
Jul 2023
Minimum HAM
17.5x
Very High
Jan 2026
HAM Burden
117%
Very High
Dec 2025
Not enough historical data to show a trend chart for this county.
Economic Profile
BEA GDP data (2024)
GDP Per Capita
$54,865
National avg: ~$82,000
Total GDP
$4.5B
Thousands of current $
Population
81,646
2020 Census
Top Industries by GDP
Government and government enterprises38.8%
Real estate and rental and leasing12.2%
Retail trade8.1%
Accommodation and food services4.8%
Manufacturing4.8%
Data Breakdown
Median HAM
Data as of Jul 2023
Median Home Price
$217,700
Census ACS
Gross Median Income
$26,920
Census ACS
Net Median Income
$22,403
Calculated
Median HAM
9.72x
Minimum HAM
Data as of Jan 2026
Median Home Price
$230,500
Redfin
Min Wage (Hourly)
$7.25/hr
State labor data
Net Min Wage Income
$13,200
Calculated
Minimum HAM
17.46x
HAM Burden
Data as of Dec 2025
Monthly Rent
$1,292
Zillow ZORI
Min Wage (Hourly)
$7.25/hr
State labor data
Monthly Net Min Wage
$1,100
Calculated
HAM Burden
117.5%
Methodology: HAM = Home Price / Net Annual Income. Net income assumes single filer, standard deduction, 2,080 hrs/yr for minimum wage. Federal + state tax + FICA deducted. Home price source priority: Zillow ZHVI > Redfin > Census ACS.