Median Income
$49,375
34% lower than US avg
Home Value
$47,500
83% lower than US avg
Violent Crime
381/100K
0% lower than US avg
Bachelor's+
18.1%
46% lower than US avg
Median Rent
$645
45% lower than US avg
Obesity Rate
40.4%
26% higher than US avg
Unemployment
2.3%
36% lower than US avg
Poverty Rate
36.4%
194% higher than US avg
How Carmen Compares to the U.S. Average (100% = U.S. avg)
People
Population377
Median Age33.6 yrs
Density248/mi²
Male / Female52% / 48%
Largest GroupWhite 92%
Veterans5.4%
Economy
C+
Median Income$49,375
Per Capita$24,628
Unemployment2.3%
Poverty36.4%
County GDP$410M
Commute26 min
Housing
A+
Home Value$47,500
Rent$645
Ownership66.4%
Zillow$77,655
Housing Units203
Rent Burden29.2%
Crime
F
Violent381/100K
Property317/100K
Health
Obesity40.4%
Uninsured12.8%
Smoking19.9%
Depression27.1%
Heart Disease7.0%
Climate
Avg Temp59°F (15°C)
AQI45 (Good)
Rain32.1 in/yr
Sunny Days317/yr
Elevation1,348 ft (411 m)
Education
C
Bachelor's+18.1%
High School+86.3%
Graduate+6.4%
School Score5.15
Community
2024 VoteR 88% / D 11%
Commute26 min
Broadband90.5%
EV Stations1
Libraries2
Is Carmen a Good Place to Live?
Based on current data, Carmen receives an overall livability score of 2.8 out of 5.0, earning a grade of C+. Key strengths include low unemployment, affordable housing, abundant sunshine. Areas to be aware of include an elevated poverty rate, a high uninsured rate, below-average incomes. Carmen has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Carmen is $49,375, 34% below the national average of $75,149. The job market is very strong with unemployment at just 2.3%. The poverty rate of 36.4% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 26 minutes.
Cost of Living & Housing
The median home value in Carmen is $47,500, 83% below the national median / offering relatively affordable homeownership. Renters pay a median of $645 per month, below the national average / a plus for affordability. At just 1x median income, home prices are very affordable relative to local earnings.
Safety & Crime
The violent crime rate of 381 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 317 per 100,000, 84% below the national average.
Education
18.1% of residents hold a bachelor's degree, below the national average of 33.7%. 86.3% have completed high school. Area schools have an average test score of 5.2/10.
Climate & Weather
Carmen enjoys a moderate climate with an average annual temperature of 59°F. Winters average 35°F in January while summers reach 83°F in July. With 317 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 32.1 inches, including 12.7 inches of snow. Air quality is rated Good with a median AQI of 45.
Carmen has a population of 377 with a density of 248 people per square mile, spread across 1.5 square miles. The median age is 33.6 years, 14% younger than the national median of 38.9. The gender split is 47.7% female and 52.3% male. The city is predominantly White (92.3%), with 3.7% Hispanic. English is the primary language spoken at home by 89.2% of residents, while 10.8% speak Spanish. 5.4% of the population are veterans. 20.8% of residents have a disability (above the 13.0% national average). 81.5% have health insurance coverage.
Population
33.6yrs
Median Age
14% below US avg
Language Spoken at Home
English Only
89.2%
14% above US avg
Spanish
10.8%
19% below US avg
The median household income in Carmen is $49,375, which is 34% below the national average of $75,149. Per capita income is $24,628 (below the $39,052 national figure). The average weekly wage is $980, 32% lower than the U.S. average. The unemployment rate is 2.3% (below the 3.6% US average). 36.4% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 147 business establishments, including 10 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 26 minutes. 0.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $49,375 |
| 34% below US avg |
| Per Capita Income | $24,628 |
| Avg Weekly Wage | $980 |
| IRS Avg AGI | $64,195 |
| Gini Index | 0.393 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.3% |
| 36% below US avg |
| Poverty Rate | 36.4% |
| 194% above US avg |
| Establishments (County) | 147 |
| County GDP | $410M |
Business (County)
| Restaurants | 10 |
| Healthcare | 8 |
| Retail | 21 |
| Manufacturing | 3 |
Tax & Cost of Living
| Property Tax (IRS) | $1,733 |
| 50% below US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 3.65% |
Commute & Transportation
| Commute Time | 26.3 min |
| Drive Alone | 87.7% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Carmen is $47,500, 83% below the national median of $281,900. Zillow estimates the typical home value at $77,655, higher than the Census estimate. Monthly rent averages $645 (45% below the national average of $1,163). Fair market rent ranges from $791 for a one-bedroom to $995 for a two-bedroom apartment. 66.4% of housing units are owner-occupied. There are 203 total housing units in the city. The median year a home was built is 1948. The average annual property tax is $1,733 (lower than the $3,500 national average). 29.2% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1x, well within the affordable range.
Home Values
| Census Median | $47,500 |
| 83% below US avg |
| Zillow ZHVI | $77,655 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $645 |
| 45% below US avg |
| Rent Burden | 29.2% |
HUD Fair Market Rent
| Studio | $744 |
| 1 Bedroom | $791 |
| 2 Bedrooms | $995 |
| 3 Bedrooms | $1,297 |
| 4 Bedrooms | $1,501 |
Ownership & Property
| Homeownership | 66.4% |
| Owner-Occupied | 66.4% |
| Renter-Occupied | 33.6% |
| Housing Units | 203 |
| Median Year Built | 1948 |
Property Tax
| Avg Tax (IRS) | $1,733 |
| 50% below US avg |
| Effective Rate | 3.65% |
In Carmen, 40.4% of adults are obese, above the national rate of 32.1%. 11.3% have diabetes. Heart disease affects 7.0% of residents, above the national average. 36.6% have high blood pressure. 19.9% are current smokers (above the 14.0% national rate). 15.6% report binge drinking. 33.4% are physically inactive, above the national average. 27.1% report depression (above the 20.0% national average). 20.0% experience frequent mental distress. 12.8% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:2,855. The dentist ratio is 1:1,879. 31.6% of residents have access to exercise opportunities. The food environment index is 7.0 out of 10.
Health Metrics: Carmen vs U.S. Average (%)
Chronic Conditions
| Obesity | 40.4% |
| 26% above US avg |
| Diabetes | 11.3% |
| Heart Disease | 7.0% |
| High Blood Pressure | 36.6% |
| Asthma | 11.6% |
| COPD | 8.6% |
| Cancer | 7.2% |
| Stroke | 3.5% |
Behaviors & Mental Health
| Smoking | 19.9% |
| 42% above US avg |
| Binge Drinking | 15.6% |
| Physical Inactivity | 33.4% |
| Depression | 27.1% |
| Mental Distress | 20.0% |
| Physical Distress | 15.0% |
| Short Sleep | 34.4% |
Healthcare Access
| Insurance Rate | 81.5% |
| Uninsured | 12.8% |
| 49% above US avg |
| Primary Care | 1:2,855 |
| Dentists | 1:1,879 |
| Mental Health | 1:1,891 |
| Checkup Rate | 74.8% |
| Dental Visits | 58.5% |
| Premature Death | 7,651/100K |
Food & Exercise
| Food Environment | 7.0/10 |
| Exercise Access | 31.6% |
| Healthcare Facilities | 8 |
Carmen has a violent crime rate of 381 per 100,000 residents, 0% below the national average of 380. Property crime stands at 317 per 100,000, 84% below the U.S. average. The county recorded 1 fatal traffic crashes. Overall, Carmen receives a safety grade of F.
Crime Rates: Carmen vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 381.0/100K |
| 0% below US avg |
| |
Property Crime
| Total Property | 317.5/100K |
| 84% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 1 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Carmen enjoys a temperate climate with an average annual temperature of 59°F (15°C). Winters average 35°F in January while summers reach 83°F in July. The area gets 317 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 32.1 inches. The area receives 12.7 inches of snow annually. Air quality is rated Good with a median AQI of 45. The city sits at an elevation of 1,348 feet.
Temperature
35°F Jan (2°C)
83°F Jul (28°C)
| Annual Average | 58.8°F |
| 9% above US avg |
| January Average | 35°F (2°C) |
| July Average | 83°F (28°C) |
| Sunny Days | 317 days/yr |
Geography
| Elevation | 1,348 ft (411 m) |
| Area | 1.5 sq mi (3.9 km²) |
| Population Density | 248/sq mi |
| Coordinates | 36.5791°N, 98.4579°W |
| Timezone | America/Chicago |
| County | Alfalfa County County |
| Nearest Airport | Enid Woodring Regional (WDG) 40 miles away |
Precipitation & Snow
Annual Rainfall
32.1"
15% below US avg
Wettest Month (May)
4.02"
Air Quality
| AQI Median | 45.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 40.7 / 100 |
| Social Vulnerability | 69.4 / 100 |
| Community Resilience | 45.8 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively High |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
6,053 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.8. Most recent: M2.7 on Aug 29, 2025.
| Sep 3, 2016 |
14 km NW of Pawnee, Oklahoma |
M5.8 |
138 km |
| Feb 13, 2016 |
18 km SE of Waynoka, Oklahoma |
M5.1 |
25 km |
| Jan 7, 2016 |
16 km SE of Waynoka, Oklahoma |
M4.7 |
26 km |
| Apr 7, 2018 |
5 km WNW of Lucien, Oklahoma |
M4.6 |
90 km |
| Apr 9, 2018 |
8 km NNE of Marshall, Oklahoma |
M4.6 |
89 km |
| Jan 31, 2022 |
7 km NW of Medford, Oklahoma |
M4.5 |
67 km |
| Dec 7, 2013 |
8 km SW of Arcadia, Oklahoma |
M4.5 |
145 km |
| Jul 27, 2015 |
4 km NNE of Crescent, Oklahoma |
M4.5 |
103 km |
| May 17, 2019 |
8 km E of Pond Creek, Oklahoma |
M4.4 |
68 km |
| Jan 7, 2016 |
16 km SE of Waynoka, Oklahoma |
M4.4 |
27 km |
| Jul 20, 2015 |
7 km SSE of Byron, Oklahoma |
M4.4 |
34 km |
| Aug 19, 2014 |
12 km SSW of Guthrie, Oklahoma |
M4.4 |
126 km |
| Jan 7, 2016 |
17 km SE of Waynoka, Oklahoma |
M4.4 |
27 km |
| Jun 9, 2018 |
8 km E of Nescatunga, Oklahoma |
M4.4 |
41 km |
| Jul 9, 2016 |
17 km SE of Waynoka, Oklahoma |
M4.4 |
30 km |
| Sep 8, 2017 |
9 km ESE of Jefferson, Oklahoma |
M4.3 |
70 km |
| Jun 17, 2015 |
6 km ESE of Covington, Oklahoma |
M4.3 |
90 km |
| Jul 29, 2014 |
9 km E of Nescatunga, Oklahoma |
M4.3 |
42 km |
| Jun 16, 2014 |
7 km NNE of Lake Aluma, Oklahoma |
M4.3 |
145 km |
| Jan 13, 2024 |
6 km W of Arcadia, Oklahoma |
M4.3 |
139 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
643 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 4 fatalities, 128 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 12, 2004 |
EF4 |
86 km |
0 |
| May 3, 1999 |
EF4 |
85 km |
1 |
| Apr 26, 1991 |
EF4 |
83 km |
0 |
| May 2, 1979 |
EF4 |
17 km |
1 |
| Apr 17, 1976 |
EF4 |
55 km |
0 |
| Jun 10, 1967 |
EF4 |
85 km |
0 |
| Mar 16, 1965 |
EF4 |
32 km |
0 |
| May 19, 2012 |
EF3 |
80 km |
0 |
| May 19, 2012 |
EF3 |
89 km |
0 |
| Apr 14, 2012 |
EF3 |
87 km |
0 |
| May 24, 2011 |
EF3 |
60 km |
1 |
| May 10, 2010 |
EF3 |
46 km |
0 |
| May 23, 2008 |
EF3 |
99 km |
0 |
| May 23, 2008 |
EF3 |
72 km |
0 |
| Apr 17, 2002 |
EF3 |
77 km |
0 |
| May 24, 1998 |
EF3 |
81 km |
0 |
| May 26, 1991 |
EF3 |
80 km |
0 |
| Apr 26, 1991 |
EF3 |
65 km |
0 |
| Apr 12, 1991 |
EF3 |
49 km |
0 |
| Apr 12, 1991 |
EF3 |
58 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: ANDERSON CREEK FIRE (374,523 ac, 2016).
| Year |
Name |
Acres |
Distance |
| 2016 |
ANDERSON CREEK FIRE |
374,523 |
68 km |
| 2018 |
RHEA |
277,949 |
81 km |
| 1996 |
UNNAMED |
88,943 |
64 km |
| 2016 |
350 COMPLEX |
58,055 |
73 km |
| 2018 |
34 COMPLEX |
57,533 |
80 km |
| 2017 |
OKS - SELMAN |
44,767 |
79 km |
| 2009 |
PUTNAM |
42,995 |
82 km |
| 2009 |
CHESTER |
34,432 |
44 km |
| 2015 |
BOILING SPRINGS FIRE |
20,264 |
71 km |
| 2022 |
217 |
18,293 |
58 km |
| 2022 |
720 FIRE |
8,761 |
62 km |
| 2008 |
LARKIN |
8,397 |
91 km |
| 2014 |
CAMARGO |
7,494 |
93 km |
| 2008 |
UNNAMED |
6,276 |
76 km |
| 2020 |
EWB |
5,706 |
65 km |
| 2009 |
CLEO |
5,063 |
20 km |
| 2008 |
BYRON |
5,033 |
45 km |
| 2007 |
SALT FORK DELTA |
4,784 |
33 km |
| 2024 |
57 |
4,727 |
97 km |
| 2008 |
LAKE CITY |
4,643 |
87 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
35°F (2°C) |
0.8 in |
Coldest, Driest |
| February |
39°F (4°C) |
1.1 in |
|
| March |
48°F (9°C) |
2.4 in |
|
| April |
58°F (14°C) |
2.5 in |
|
| May |
67°F (20°C) |
4.0 in |
Wettest |
| June |
77°F (25°C) |
3.8 in |
|
| July |
83°F (28°C) |
2.8 in |
Warmest |
| August |
81°F (27°C) |
3.0 in |
|
| September |
73°F (23°C) |
3.0 in |
|
| October |
61°F (16°C) |
2.1 in |
|
| November |
47°F (8°C) |
1.8 in |
|
| December |
37°F (3°C) |
1.0 in |
|
Carmen has a seasonal temperature swing of 48°F / from 35°F in January to 83°F in July. Total annual precipitation is 28.2 inches, with May being the wettest month (4.0") and January the driest (0.8").
Average costs for common services in Carmen. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$220 ($132–$351) |
| Specialist Visit |
$307 ($176–$483) |
| Urgent Care Visit |
$176 ($88–$307) |
| Emergency Room Visit |
$1,932 ($702–$4,390) |
| Dental Cleaning |
$114 ($66–$176) |
| Dental Filling |
$220 ($132–$351) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22–$66) |
| Oil Change (Synthetic) |
$66 ($44–$105) |
| Brake Pad Replacement |
$263 ($132–$439) |
| Tire Rotation |
$35 ($18–$66) |
| New Tires (Set of 4) |
$527 ($351–$878) |
| Battery Replacement |
$176 ($88–$307) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$88 ($53–$132) |
| Electrician (Per Hour) |
$79 ($44–$123) |
| HVAC Repair |
$351 ($132–$702) |
| HVAC System Install |
$6,146 ($3,512–$10,536) |
| Roof Repair |
$878 ($351–$1,756) |
| Roof Replacement |
$7,902 ($4,829–$13,170) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,317 ($439–$3,073) |
| Divorce (Contested) |
$13,170 ($4,390–$26,340) |
| DUI Defense |
$4,390 ($1,756–$8,780) |
| Bankruptcy (Chapter 7) |
$1,317 ($702–$2,634) |
| Will Preparation |
$439 ($176–$878) |
| Trust Preparation |
$2,195 ($878–$4,390) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13–$40) |
| Women's Haircut |
$48 ($26–$88) |
| Hair Coloring (Full) |
$132 ($66–$220) |
| Manicure |
$22 ($13–$40) |
| Pedicure |
$35 ($22–$57) |
| Massage (1 Hour) |
$70 ($44–$114) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.60 ($2.63–$4.83) |
| Dozen Eggs (per dozen) |
$3.07 ($2.20–$4.39) |
| Loaf of Bread |
$3.34 ($2.20–$4.83) |
| Chicken Breast (per lb) |
$3.95 ($2.63–$5.71) |
| Ground Beef (per lb) |
$4.83 ($3.51–$6.59) |
| Rice (per lb) |
$0.88 ($0.53–$1.58) |
View all 20 services
Utilities
| Electricity (Monthly) |
$123 ($70–$220) |
| Natural Gas (Monthly) |
$61 ($26–$132) |
| Water/Sewer (Monthly) |
$61 ($35–$105) |
| Internet (Monthly) |
$61 ($35–$88) |
| Cell Phone Plan (Monthly) |
$57 ($26–$88) |
| Cable TV (Monthly) |
$75 ($44–$132) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$176 ($66–$439) |
| Car Insurance (Annual) |
$1,756 ($1,054–$3,073) |
| Bus Pass (Monthly) |
$61 ($26–$114) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.02–$22) |
| Car Registration (Annual) |
$88 ($26–$220) |
| Driver's License Renewal |
$26 ($13–$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,054 ($527–$2,195) |
| Daycare (Toddler, Monthly) |
$878 ($439–$1,756) |
| After-School Care (Monthly) |
$351 ($176–$615) |
| Tutoring (Per Hour) |
$44 ($22–$88) |
| SAT/ACT Prep Course |
$878 ($351–$2,195) |
| Private School (K-12, Annual) |
$10,975 ($4,390–$26,340) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($26–$88) |
| Dog Vaccination (Annual) |
$88 ($44–$176) |
| Dog Grooming |
$53 ($26–$88) |
| Pet Boarding (Per Night) |
$35 ($18–$66) |
| Dog Spay/Neuter |
$263 ($132–$439) |
| Cat Spay/Neuter |
$176 ($88–$351) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $885 |
| Toddler | $765 |
| Preschool | $765 |
| Family Childcare (monthly) |
| Infant | $642 |
| Toddler | $591 |
| Preschool | $591 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Carmen
What is the population of Carmen?
Carmen has a population of 377 residents and is located in Oklahoma. The population density is 248 people per square mile, spread across 1.5 square miles. The median age of residents is 33.6 years, which is younger than the national median of 38.9 years. The population is 47.7% female and 52.3% male.
Is Carmen expensive to live in?
Carmen is more affordable than the national average, with a cost of living index of 87.8 / below the baseline of 100. The median household income is $49,375, 34% below the national average of $75,149. The median home value is $47,500 (83% below the U.S. median). Renters pay a median of $645 per month, below the national average of $1,163. The home price-to-income ratio is 1x, indicating housing is reasonably affordable relative to local income levels.
Is Carmen safe?
The violent crime rate in Carmen is 381 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 317 per 100,000 (below the national average). Overall, Carmen receives a safety grade of F based on combined crime data.
What is the weather like in Carmen?
Carmen enjoys a temperate climate with an average annual temperature of 59°F (15°C). Winter temperatures average 35°F in January, while summers reach an average of 83°F in July. The area receives 317 sunny days per year, well above the national average of 205. Annual rainfall totals 32.1 inches, with 12.7 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 45.
How is the job market in Carmen?
The job market in Carmen is very strong, with unemployment at just 2.3% / well below the national rate of 3.6%. The average weekly wage is $980. There are 147 business establishments in the area, including 10 restaurants and food service locations. The average commute time is 26 minutes, and 0.0% of workers work from home.
How much does housing cost in Carmen?
The median home value in Carmen is $47,500. Zillow estimates the typical home value at $77,655. For renters, the median monthly rent is $645. Fair market rent is $791 for a 1-bedroom and $995 for a 2-bedroom apartment. The homeownership rate is 66.4%. The average annual property tax is $1,733.
How are the schools in Carmen?
Schools in Carmen score 5.2 out of 10 on standardized testing, near the national average. 18.1% of adults in Carmen hold a bachelor's degree or higher, below the national average of 33.7%. 86.3% have completed high school. 6.4% hold a graduate or professional degree.
How healthy is Carmen?
The obesity rate in Carmen is 40.4% (above the national rate of 32.1%). 19.9% of adults are smokers. 33.4% are physically inactive. 27.1% of residents report depression. 12.8% lack health insurance (above the national rate). 31.6% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,855.
What is transportation like in Carmen?
The average commute in Carmen is 26 minutes. 87.7% of workers drive alone to work, and 0.0% work from home.
What are the demographics of Carmen?
The racial and ethnic makeup of Carmen is 92.3% White, 3.7% Hispanic or Latino. 89.2% of residents speak only English at home, while 10.8% speak Spanish. 5.4% of the population are military veterans. 20.8% of residents have a disability. 81.5% have health insurance coverage.