Home Value
$122,200
57% lower than US avg
Bachelor's+
23.1%
31% lower than US avg
Obesity Rate
40.0%
25% higher than US avg
Unemployment
3.8%
6% higher than US avg
Poverty Rate
2.9%
77% lower than US avg
How Cloud Creek Compares to the U.S. Average (100% = U.S. avg)
People
Population195
Median Age41.0 yrs
Density13/mi²
Male / Female75% / 25%
Largest GroupWhite 21%
Veterans7.0%
Economy
Per Capita$15,523
Unemployment3.8%
Poverty2.9%
County GDP$1,335M
Commute25 min
Housing
Home Value$122,200
Ownership100.0%
Zillow$200,929
Housing Units74
Rent Burden26.7%
Health
Obesity40.0%
Uninsured28.7%
Smoking25.8%
Depression25.8%
Heart Disease8.1%
Climate
Avg Temp58°F (14°C)
Rain49.5 in/yr
Elevation1,063 ft (324 m)
Education
C+
Bachelor's+23.1%
High School+99.3%
Graduate+11.1%
School Score5.05
Community
2024 VoteR 80% / D 19%
Commute25 min
Broadband76.5%
EV Stations1
Libraries3
Is Cloud Creek a Good Place to Live?
Based on current data, Cloud Creek receives an overall livability score of 2.8 out of 5.0, earning a grade of C+. Key strengths include affordable housing, a low poverty rate. Areas to be aware of include a high uninsured rate, high obesity rates. Cloud Creek has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
Unemployment stands at 3.8%, indicating a healthy job market. Only 2.9% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 25 minutes.
Cost of Living & Housing
The median home value in Cloud Creek is $122,200, 57% below the national median / offering relatively affordable homeownership.
Education
23.1% of residents hold a bachelor's degree, below the national average of 33.7%. 99.3% have completed high school. Area schools have an average test score of 5/10.
Climate & Weather
Cloud Creek enjoys a moderate climate with an average annual temperature of 58°F. Winters average 36°F in January while summers reach 79°F in July. Annual precipitation totals 49.5 inches, including 5.5 inches of snow.
Cloud Creek has a population of 195 with a density of 13 people per square mile, spread across 14.8 square miles. The median age is 41.0 years, 5% older than the national median of 38.9. The gender split is 25.1% female and 74.9% male. The city is predominantly White (20.5%), with 3.1% Hispanic, 6.7% Black, 13.8% Asian. English is the primary language spoken at home by 89.1% of residents, while 7.2% speak Spanish. 7.0% of the population are veterans. 7.2% of residents have a disability (below the 13.0% national average). 71.3% have health insurance coverage.
Population
195
Total Population
2023 Census
41.0yrs
Median Age
5% above US avg
Race & Ethnicity
Cloud Creek vs U.S. Average
Language Spoken at Home
English Only
89.1%
14% above US avg
Spanish
7.2%
46% below US avg
Social Characteristics
Cloud Creek vs U.S. Average
Per capita income is $15,523 (below the $39,052 national figure). The average weekly wage is $818, 43% lower than the U.S. average. The unemployment rate is 3.8% (above the 3.6% US average). 2.9% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 942 business establishments, including 87 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 25 minutes. 4.8% of workers work from home (below the 15.2% national rate).
Income: Cloud Creek vs U.S.
Income
| |
| Per Capita Income | $15,523 |
| Avg Weekly Wage | $818 |
| IRS Avg AGI | $60,487 |
| Gini Index | 0.470 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.8% |
| 6% above US avg |
| Poverty Rate | 2.9% |
| 77% below US avg |
| Establishments (County) | 942 |
| County GDP | $1,335M |
Business (County)
| Restaurants | 87 |
| Healthcare | 83 |
| Retail | 149 |
| Manufacturing | 23 |
Tax & Cost of Living
| Property Tax (IRS) | $3,794 |
| 8% above US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 3.10% |
Commute & Transportation
| Commute Time | 25.4 min |
| Drive Alone | 85.5% |
| Public Transit | 0.0% |
| Work from Home | 4.8% |
The median home value in Cloud Creek is $122,200, 57% below the national median of $281,900. Zillow estimates the typical home value at $200,929, higher than the Census estimate. Fair market rent ranges from $791 for a one-bedroom to $995 for a two-bedroom apartment. 100.0% of housing units are owner-occupied (above the 65.4% national rate). There are 74 total housing units in the city. The median year a home was built is 1988. The average annual property tax is $3,794. 26.7% of renters spend 30% or more of their income on housing.
Home Values
| Census Median | $122,200 |
| 57% below US avg |
| Zillow ZHVI | $200,929 |
Rental Costs
HUD Fair Market Rent
| Studio | $744 |
| 1 Bedroom | $791 |
| 2 Bedrooms | $995 |
| 3 Bedrooms | $1,297 |
| 4 Bedrooms | $1,501 |
Ownership & Property
| Homeownership | 100.0% |
| Owner-Occupied | 100.0% |
| Renter-Occupied | 0.0% |
| Housing Units | 74 |
| Median Year Built | 1988 |
Property Tax
| Avg Tax (IRS) | $3,794 |
| 8% above US avg |
| Effective Rate | 3.10% |
In Cloud Creek, 40.0% of adults are obese, above the national rate of 32.1%. 14.8% have diabetes (above the 10.5% national rate). Heart disease affects 8.1% of residents, above the national average. 41.4% have high blood pressure. 25.8% are current smokers (above the 14.0% national rate). 14.4% report binge drinking. 37.1% are physically inactive, above the national average. 25.8% report depression (above the 20.0% national average). 21.7% experience frequent mental distress. 28.7% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:2,563. The dentist ratio is 1:2,180. 49.0% of residents have access to exercise opportunities. The food environment index is 6.5 out of 10.
Health Metrics: Cloud Creek vs U.S. Average (%)
Chronic Conditions
| Obesity | 40.0% |
| 25% above US avg |
| Diabetes | 14.8% |
| Heart Disease | 8.1% |
| High Blood Pressure | 41.4% |
| Asthma | 12.5% |
| COPD | 9.8% |
| Cancer | 6.5% |
| Stroke | 4.4% |
Behaviors & Mental Health
| Smoking | 25.8% |
| 84% above US avg |
| Binge Drinking | 14.4% |
| Physical Inactivity | 37.1% |
| Depression | 25.8% |
| Mental Distress | 21.7% |
| Physical Distress | 17.6% |
| Short Sleep | 40.5% |
Healthcare Access
| Insurance Rate | 71.3% |
| Uninsured | 28.7% |
| 234% above US avg |
| Primary Care | 1:2,563 |
| Dentists | 1:2,180 |
| Mental Health | 1:474 |
| Checkup Rate | 75.4% |
| Dental Visits | 44.9% |
| Premature Death | 13,171/100K |
Food & Exercise
| Food Environment | 6.5/10 |
| Exercise Access | 49.0% |
| Healthcare Facilities | 83 |
Cloud Creek enjoys a temperate climate with an average annual temperature of 58°F (14°C). Winters average 36°F in January while summers reach 79°F in July. Annual precipitation totals 49.5 inches (wetter than the 38-inch national average). The area receives 5.5 inches of snow annually. The city sits at an elevation of 1,063 feet.
Temperature
36°F Jan (2°C)
79°F Jul (26°C)
| Annual Average | 57.8°F |
| 7% above US avg |
| January Average | 36°F (2°C) |
| July Average | 79°F (26°C) |
Geography
| Elevation | 1,063 ft (324 m) |
| Area | 14.8 sq mi (38.3 km²) |
| Population Density | 13/sq mi |
| Coordinates | 36.2938°N, 94.7544°W |
| Timezone | America/Chicago |
| County | Delaware County County |
| Nearest Airport | Grand Lake Regional (NRI)
21 miles away |
Precipitation & Snow
Annual Rainfall
49.5"
30% above US avg
Wettest Month (May)
6.22"
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 82.7 / 100 |
| Social Vulnerability | 90.9 / 100 |
| Community Resilience | 5.8 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Relatively Moderate |
| Flood |
Relatively Moderate |
| Hail |
Relatively Low |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Very High |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
58 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.7. Most recent: M2.8 on Mar 23, 2024.
| Aug 24, 2021 |
1 km S of Quinton, Oklahoma |
M3.7 |
143 km |
| Aug 18, 2019 |
1 km ENE of Quinton, Oklahoma |
M3.7 |
141 km |
| Aug 22, 2021 |
3 km ESE of Quinton, Oklahoma |
M3.4 |
142 km |
| Jul 22, 2021 |
2 km E of Quinton, Oklahoma |
M3.3 |
141 km |
| Feb 7, 2020 |
2 km SSW of Quinton, Oklahoma |
M3.2 |
144 km |
| Feb 7, 2020 |
3 km SSW of Quinton, Oklahoma |
M3.2 |
145 km |
| Aug 12, 2019 |
1 km NE of Quinton, Oklahoma |
M3.2 |
140 km |
| Jun 3, 2022 |
10 km W of Quinton, Oklahoma |
M3.2 |
146 km |
| Mar 14, 2022 |
12 km E of Crowder, Oklahoma |
M3.1 |
150 km |
| Apr 1, 2020 |
2 km NE of Quinton, Oklahoma |
M3.1 |
139 km |
| Sep 21, 2019 |
2 km NNE of Quinton, Oklahoma |
M2.9 |
139 km |
| Feb 3, 2021 |
1 km SW of Quinton, Oklahoma |
M2.9 |
143 km |
| Aug 12, 2021 |
2 km E of Quinton, Oklahoma |
M2.8 |
141 km |
| Jul 8, 2019 |
3 km ENE of Quinton, OK |
M2.8 |
139 km |
| Mar 23, 2024 |
9 km SE of Foyil, Oklahoma |
M2.8 |
63 km |
| Aug 15, 2019 |
2 km ENE of Quinton, Oklahoma |
M2.8 |
140 km |
| Aug 22, 2021 |
1 km E of Quinton, Oklahoma |
M2.8 |
141 km |
| Aug 22, 2021 |
3 km ESE of Quinton, Oklahoma |
M2.8 |
141 km |
| Sep 26, 2019 |
2 km ENE of Quinton, Oklahoma |
M2.8 |
140 km |
| Feb 7, 2020 |
2 km WSW of Quinton, Oklahoma |
M2.8 |
143 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
781 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 234 fatalities, 2,389 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 22, 2011 |
EF5 |
86 km |
158 |
| May 10, 2008 |
EF4 |
86 km |
21 |
| Apr 24, 1993 |
EF4 |
98 km |
7 |
| Apr 26, 1991 |
EF4 |
88 km |
0 |
| Apr 24, 1975 |
EF4 |
62 km |
3 |
| May 26, 1973 |
EF4 |
97 km |
5 |
| Sep 27, 1959 |
EF4 |
76 km |
1 |
| Jan 22, 1957 |
EF4 |
100 km |
10 |
| Apr 3, 1956 |
EF4 |
56 km |
0 |
| May 25, 2024 |
EF3 |
12 km |
0 |
| May 25, 2024 |
EF3 |
91 km |
2 |
| Mar 30, 2022 |
EF3 |
57 km |
0 |
| May 22, 2019 |
EF3 |
92 km |
0 |
| May 22, 2011 |
EF3 |
24 km |
0 |
| Dec 31, 2010 |
EF3 |
37 km |
4 |
| Mar 12, 2006 |
EF3 |
12 km |
0 |
| Mar 12, 2006 |
EF3 |
38 km |
0 |
| May 4, 2003 |
EF3 |
89 km |
5 |
| May 4, 2003 |
EF3 |
85 km |
7 |
| Jun 1, 1999 |
EF3 |
57 km |
2 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (18,089 ac, 2007).
| Year |
Name |
Acres |
Distance |
| 2007 |
UNNAMED |
18,089 |
74 km |
| 2004 |
UNNAMED |
12,086 |
79 km |
| 2017 |
MIDDLE RIDGE |
8,501 |
81 km |
| 2003 |
UNNAMED |
7,415 |
97 km |
| 2007 |
UNNAMED |
6,657 |
80 km |
| 2017 |
HILLTOP |
6,523 |
73 km |
| 2010 |
SPUD ROCK CENTRAL |
6,117 |
97 km |
| 2009 |
TELAMAY HOLLOW |
5,686 |
31 km |
| 2017 |
PERSIMMON RIDGE |
5,333 |
77 km |
| 2009 |
SAWMILL HOLLOW |
5,166 |
28 km |
| 2011 |
GRUBER |
4,831 |
73 km |
| 1992 |
UNNAMED |
4,546 |
23 km |
| 2005 |
FLAT ROCK |
4,472 |
53 km |
| 2004 |
UNNAMED |
4,424 |
98 km |
| 2021 |
ALEXANDER MOUNTAIN BLOCKS 1 2 5 |
4,214 |
98 km |
| 1995 |
F128 |
4,210 |
29 km |
| 2006 |
UNNAMED |
3,909 |
97 km |
| 2024 |
NATURE FIRE |
3,744 |
29 km |
| 1992 |
UNNAMED |
3,700 |
76 km |
| 2019 |
RX - ALEXANDER MTN BLK3 |
3,492 |
97 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
36°F (2°C) |
3.2 in |
Coldest |
| February |
40°F (5°C) |
2.5 in |
Driest |
| March |
48°F (9°C) |
4.1 in |
|
| April |
58°F (14°C) |
4.9 in |
|
| May |
66°F (19°C) |
6.2 in |
Wettest |
| June |
74°F (23°C) |
5.0 in |
|
| July |
79°F (26°C) |
4.1 in |
Warmest |
| August |
78°F (26°C) |
3.8 in |
|
| September |
70°F (21°C) |
4.5 in |
|
| October |
58°F (15°C) |
4.2 in |
|
| November |
48°F (9°C) |
3.9 in |
|
| December |
39°F (4°C) |
3.0 in |
|
Cloud Creek has a seasonal temperature swing of 43°F / from 36°F in January to 79°F in July. Total annual precipitation is 49.5 inches, with May being the wettest month (6.2") and February the driest (2.5").
Average costs for common services in Cloud Creek. 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 | $902 |
| Toddler | $780 |
| Preschool | $780 |
| Family Childcare (monthly) |
| Infant | $655 |
| Toddler | $603 |
| Preschool | $603 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Cloud Creek
What is the population of Cloud Creek?
Cloud Creek has a population of 195 residents and is located in Oklahoma. The population density is 13 people per square mile, spread across 14.8 square miles. The median age of residents is 41.0 years. The population is 25.1% female and 74.9% male.
Is Cloud Creek expensive to live in?
Cloud Creek is more affordable than the national average, with a cost of living index of 87.8 / below the baseline of 100. The median home value is $122,200 (57% below the U.S. median).
What is the weather like in Cloud Creek?
Cloud Creek enjoys a temperate climate with an average annual temperature of 58°F (14°C). Winter temperatures average 36°F in January, while summers reach an average of 79°F in July. Annual rainfall totals 49.5 inches, with 5.5 inches of snow.
How is the job market in Cloud Creek?
Cloud Creek has a healthy job market with an unemployment rate of 3.8%, near the national average of 3.6%. The average weekly wage is $818. There are 942 business establishments in the area, including 87 restaurants and food service locations. The average commute time is 25 minutes, and 4.8% of workers work from home.
How much does housing cost in Cloud Creek?
The median home value in Cloud Creek is $122,200. Zillow estimates the typical home value at $200,929. The homeownership rate is 100.0%. The average annual property tax is $3,794.
How are the schools in Cloud Creek?
Schools in Cloud Creek score 5 out of 10 on standardized testing, near the national average. 23.1% of adults in Cloud Creek hold a bachelor's degree or higher, below the national average of 33.7%. 99.3% have completed high school. 11.1% hold a graduate or professional degree.
How healthy is Cloud Creek?
The obesity rate in Cloud Creek is 40.0% (above the national rate of 32.1%). 25.8% of adults are smokers. 37.1% are physically inactive. 25.8% of residents report depression. 28.7% lack health insurance (above the national rate). 49.0% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,563.
What is transportation like in Cloud Creek?
The average commute in Cloud Creek is 25 minutes. 85.5% of workers drive alone to work, and 4.8% work from home.
What are the demographics of Cloud Creek?
The racial and ethnic makeup of Cloud Creek is 20.5% White, 6.7% Black or African American, 3.1% Hispanic or Latino, 13.8% Asian. 89.1% of residents speak only English at home, while 7.2% speak Spanish. 7.0% of the population are military veterans. 7.2% of residents have a disability. 71.3% have health insurance coverage.