Median Income
$48,991
35% lower than US avg
Bachelor's+
12.9%
62% lower than US avg
Obesity Rate
39.5%
23% higher than US avg
Unemployment
1.4%
61% lower than US avg
Poverty Rate
2.9%
77% lower than US avg
How White Oak Compares to the U.S. Average (100% = U.S. avg)
People
Population245
Median Age60.4 yrs
Density41/mi²
Male / Female63% / 37%
Largest GroupWhite 71%
Veterans6.5%
Economy
A
Median Income$48,991
Per Capita$24,109
Unemployment1.4%
Poverty2.9%
County GDP$589M
Commute24 min
Housing
Ownership93.5%
Zillow$255,256
Housing Units133
Rent Burden27.1%
Health
Obesity39.5%
Uninsured7.8%
Smoking19.4%
Depression26.9%
Heart Disease6.4%
Climate
Avg Temp60°F (15°C)
Rain43.9 in/yr
Elevation802 ft (244 m)
Education
C
Bachelor's+12.9%
High School+92.3%
Graduate+1.1%
School Score4.80
Community
2024 VoteR 78% / D 20%
Commute24 min
Broadband80.6%
EV Stations2
Libraries1
Is White Oak a Good Place to Live?
Based on current data, White Oak receives an overall livability score of 3.0 out of 5.0, earning a grade of B. Key strengths include low unemployment, a low poverty rate. Areas to be aware of include below-average incomes, high obesity rates. White Oak offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in White Oak is $48,991, 35% below the national average of $75,149. The job market is very strong with unemployment at just 1.4%. Only 2.9% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 24 minutes.
Education
12.9% of residents hold a bachelor's degree, below the national average of 33.7%. 92.3% have completed high school. Area schools have an average test score of 4.8/10.
Climate & Weather
White Oak enjoys a moderate climate with an average annual temperature of 60°F. Winters average 37°F in January while summers reach 81°F in July. Annual precipitation totals 43.9 inches, including 5.5 inches of snow.
White Oak has a population of 245 with a density of 41 people per square mile, spread across 6.0 square miles. The median age is 60.4 years, 55% older than the national median of 38.9. The gender split is 36.7% female and 63.3% male. The city is predominantly White (70.6%), with 5.7% Hispanic. English is the primary language spoken at home by 96.6% of residents. 6.5% of the population are veterans. 24.5% of residents have a disability (above the 13.0% national average). 92.2% have health insurance coverage.
Population
245
Total Population
2023 Census
60.4yrs
Median Age
55% above US avg
Race & Ethnicity
White Oak vs U.S. Average
Language Spoken at Home
English Only
96.6%
23% above US avg
Spanish
1.4%
90% below US avg
Social Characteristics
White Oak vs U.S. Average
The median household income in White Oak is $48,991, which is 35% below the national average of $75,149. Per capita income is $24,109 (below the $39,052 national figure). The average weekly wage is $876, 39% lower than the U.S. average. The unemployment rate is 1.4% (below 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 432 business establishments, including 29 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 24 minutes. 7.0% of workers work from home (below the 15.2% national rate).
Income: White Oak vs U.S.
Income
| Median HH Income | $48,991 |
| 35% below US avg |
| Per Capita Income | $24,109 |
| Avg Weekly Wage | $876 |
| IRS Avg AGI | $51,864 |
| Gini Index | 0.423 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.4% |
| 61% below US avg |
| Poverty Rate | 2.9% |
| 77% below US avg |
| Establishments (County) | 432 |
| County GDP | $589M |
Business (County)
| Restaurants | 29 |
| Healthcare | 72 |
| Retail | 62 |
| Manufacturing | 8 |
Tax & Cost of Living
| Property Tax (IRS) | $2,143 |
| 39% below US avg |
| Cost of Living | 87.80 (100=avg) |
Commute & Transportation
| Commute Time | 23.6 min |
| Drive Alone | 66.2% |
| Public Transit | 0.0% |
| Work from Home | 7.0% |
Zillow estimates the typical home value at $255,256. Fair market rent ranges from $791 for a one-bedroom to $995 for a two-bedroom apartment. 93.5% of housing units are owner-occupied (above the 65.4% national rate). There are 133 total housing units in the city. The median year a home was built is 1982. The average annual property tax is $2,143 (lower than the $3,500 national average). 27.1% of renters spend 30% or more of their income on housing.
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 | 93.5% |
| Owner-Occupied | 93.5% |
| Renter-Occupied | 6.5% |
| Housing Units | 133 |
| Median Year Built | 1982 |
Property Tax
| Avg Tax (IRS) | $2,143 |
| 39% below US avg |
In White Oak, 39.5% of adults are obese, above the national rate of 32.1%. 11.4% have diabetes. Heart disease affects 6.4% of residents. 36.2% have high blood pressure. 19.4% are current smokers (above the 14.0% national rate). 15.3% report binge drinking. 30.1% are physically inactive, above the national average. 26.9% report depression (above the 20.0% national average). 20.6% experience frequent mental distress. 7.8% of residents lack health insurance. The primary care physician ratio is 1:2,353. The dentist ratio is 1:1,569. 42.1% of residents have access to exercise opportunities. The food environment index is 6.0 out of 10.
Health Metrics: White Oak vs U.S. Average (%)
Chronic Conditions
| Obesity | 39.5% |
| 23% above US avg |
| Diabetes | 11.4% |
| Heart Disease | 6.4% |
| High Blood Pressure | 36.2% |
| Asthma | 12.9% |
| COPD | 7.7% |
| Cancer | 7.0% |
| Stroke | 3.5% |
Behaviors & Mental Health
| Smoking | 19.4% |
| 39% above US avg |
| Binge Drinking | 15.3% |
| Physical Inactivity | 30.1% |
| Depression | 26.9% |
| Mental Distress | 20.6% |
| Physical Distress | 15.1% |
| Short Sleep | 40.5% |
Healthcare Access
| Insurance Rate | 92.2% |
| Uninsured | 7.8% |
| 9% below US avg |
| Primary Care | 1:2,353 |
| Dentists | 1:1,569 |
| Mental Health | 1:171 |
| Checkup Rate | 76.3% |
| Dental Visits | 51.0% |
| Premature Death | 11,484/100K |
Food & Exercise
| Food Environment | 6.0/10 |
| Exercise Access | 42.1% |
| Healthcare Facilities | 72 |
White Oak enjoys a temperate climate with an average annual temperature of 60°F (15°C). Winters average 37°F in January while summers reach 81°F in July. Annual precipitation totals 43.9 inches. The area receives 5.5 inches of snow annually. The city sits at an elevation of 802 feet.
Temperature
37°F Jan (3°C)
81°F Jul (27°C)
| Annual Average | 59.8°F |
| 11% above US avg |
| January Average | 37°F (3°C) |
| July Average | 81°F (27°C) |
Geography
| Elevation | 802 ft (244 m) |
| Area | 6.0 sq mi (15.4 km²) |
| Population Density | 41/sq mi |
| Coordinates | 36.6091°N, 95.2755°W |
| Timezone | America/Chicago |
| County | Craig County County |
| Nearest Airport | Grand Lake Regional (NRI)
23 miles away |
Precipitation & Snow
Annual Rainfall
43.9"
16% above US avg
Wettest Month (May)
6.36"
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 55.5 / 100 |
| Social Vulnerability | 88.5 / 100 |
| Community Resilience | 34.0 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Very High |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
303 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.8. Most recent: M3.2 on May 23, 2025.
| Sep 3, 2016 |
14 km NW of Pawnee, Oklahoma |
M5.8 |
149 km |
| Jun 8, 2016 |
13 km NNW of Pawnee, Oklahoma |
M3.9 |
145 km |
| Mar 22, 2017 |
8 km SW of Shamrock, Oklahoma |
M3.7 |
149 km |
| Jun 12, 2015 |
6 km N of Maramec, Oklahoma |
M3.7 |
130 km |
| Sep 3, 2016 |
13 km NW of Pawnee, Oklahoma |
M3.6 |
148 km |
| Apr 4, 2018 |
12 km WSW of Ralston, Oklahoma |
M3.6 |
143 km |
| Oct 9, 2016 |
11 km NW of Pawnee, Oklahoma |
M3.5 |
146 km |
| Jan 31, 2016 |
1 km NW of Skedee, Oklahoma |
M3.5 |
131 km |
| Jan 2, 2017 |
13 km NW of Pawnee, Oklahoma |
M3.5 |
148 km |
| Apr 5, 2018 |
12 km WSW of Ralston, Oklahoma |
M3.5 |
143 km |
| Mar 15, 2017 |
10 km NW of Pawnee, Oklahoma |
M3.5 |
146 km |
| Oct 6, 2016 |
13 km NW of Pawnee, Oklahoma |
M3.4 |
148 km |
| Feb 6, 2017 |
12 km NW of Pawnee, Oklahoma |
M3.4 |
146 km |
| Jan 2, 2017 |
9 km NW of Pawnee, Oklahoma |
M3.4 |
146 km |
| Apr 24, 2018 |
12 km WSW of Ralston, Oklahoma |
M3.4 |
143 km |
| Sep 3, 2016 |
11 km NW of Pawnee, Oklahoma |
M3.4 |
145 km |
| Jul 20, 2015 |
Oklahoma |
M3.4 |
144 km |
| Jun 21, 2015 |
7 km SW of Pawnee, Oklahoma |
M3.4 |
146 km |
| Feb 9, 2016 |
6 km WNW of Maramec, Oklahoma |
M3.4 |
137 km |
| Jul 4, 2015 |
7 km SW of Pawnee, Oklahoma |
M3.4 |
146 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
849 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 223 fatalities, 2,543 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 22, 2011 |
EF5 |
78 km |
158 |
| May 10, 2008 |
EF4 |
45 km |
21 |
| May 4, 2003 |
EF4 |
92 km |
4 |
| Apr 24, 1993 |
EF4 |
71 km |
7 |
| Apr 26, 1991 |
EF4 |
44 km |
0 |
| Apr 24, 1975 |
EF4 |
67 km |
3 |
| Sep 27, 1959 |
EF4 |
27 km |
1 |
| Apr 3, 1956 |
EF4 |
33 km |
0 |
| May 25, 2024 |
EF3 |
55 km |
2 |
| May 25, 2024 |
EF3 |
68 km |
0 |
| May 22, 2019 |
EF3 |
80 km |
0 |
| May 22, 2011 |
EF3 |
37 km |
0 |
| Dec 31, 2010 |
EF3 |
93 km |
4 |
| Mar 12, 2006 |
EF3 |
59 km |
0 |
| Mar 12, 2006 |
EF3 |
70 km |
0 |
| Apr 21, 2005 |
EF3 |
90 km |
0 |
| May 4, 2003 |
EF3 |
60 km |
5 |
| Apr 19, 2000 |
EF3 |
72 km |
0 |
| Jun 1, 1999 |
EF3 |
71 km |
2 |
| Apr 24, 1993 |
EF3 |
72 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (51,112 ac, 2014).
| Year |
Name |
Acres |
Distance |
| 2014 |
UNNAMED |
51,112 |
53 km |
| 2014 |
UNNAMED |
36,112 |
74 km |
| 2014 |
UNNAMED |
32,901 |
86 km |
| 2018 |
DRUMB |
30,422 |
93 km |
| 2021 |
CANDY CREEK |
23,167 |
70 km |
| 2004 |
UNNAMED |
19,648 |
80 km |
| 2015 |
WOLF CREEK |
18,077 |
51 km |
| 2014 |
UNNAMED |
17,075 |
76 km |
| 2023 |
HWY 123 |
14,980 |
70 km |
| 2016 |
BAR-DEW LAKE |
14,806 |
72 km |
| 2014 |
UNNAMED |
14,119 |
64 km |
| 2023 |
NORTH DRUM |
11,618 |
90 km |
| 2023 |
ZINK |
11,332 |
86 km |
| 2017 |
MILSAP |
10,879 |
98 km |
| 2021 |
HUGHES |
10,477 |
71 km |
| 2015 |
Z BAR 7 |
10,170 |
80 km |
| 2016 |
MUSTANG |
10,060 |
67 km |
| 2016 |
MAKER |
9,940 |
91 km |
| 2005 |
CHOUTEAU |
9,765 |
71 km |
| 2022 |
FRAZIER |
9,706 |
96 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
37°F (3°C) |
1.9 in |
Coldest, Driest |
| February |
42°F (5°C) |
2.0 in |
|
| March |
50°F (10°C) |
3.7 in |
|
| April |
59°F (15°C) |
4.2 in |
|
| May |
68°F (20°C) |
6.4 in |
Wettest |
| June |
77°F (25°C) |
5.5 in |
|
| July |
81°F (27°C) |
3.4 in |
Warmest |
| August |
80°F (27°C) |
3.3 in |
|
| September |
73°F (23°C) |
4.1 in |
|
| October |
62°F (16°C) |
3.8 in |
|
| November |
50°F (10°C) |
3.1 in |
|
| December |
41°F (5°C) |
2.7 in |
|
White Oak has a seasonal temperature swing of 44°F / from 37°F in January to 81°F in July. Total annual precipitation is 43.9 inches, with May being the wettest month (6.4") and January the driest (1.9").
Average costs for common services in White Oak. 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 | $909 |
| Toddler | $785 |
| Preschool | $785 |
| Family Childcare (monthly) |
| Infant | $660 |
| Toddler | $607 |
| Preschool | $607 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About White Oak
What is the population of White Oak?
White Oak has a population of 245 residents and is located in Oklahoma. The population density is 41 people per square mile, spread across 6.0 square miles. The median age of residents is 60.4 years, which is older than the national median of 38.9 years. The population is 36.7% female and 63.3% male.
Is White Oak expensive to live in?
White Oak 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 $48,991, 35% below the national average of $75,149.
What is the weather like in White Oak?
White Oak enjoys a temperate climate with an average annual temperature of 60°F (15°C). Winter temperatures average 37°F in January, while summers reach an average of 81°F in July. Annual rainfall totals 43.9 inches, with 5.5 inches of snow.
How is the job market in White Oak?
The job market in White Oak is very strong, with unemployment at just 1.4% / well below the national rate of 3.6%. The average weekly wage is $876. There are 432 business establishments in the area, including 29 restaurants and food service locations. The average commute time is 24 minutes, and 7.0% of workers work from home.
How are the schools in White Oak?
Schools in White Oak have an average test score of 4.8 out of 10, below typical national benchmarks. Families may want to research individual school ratings. 12.9% of adults in White Oak hold a bachelor's degree or higher, below the national average of 33.7%. 92.3% have completed high school. 1.1% hold a graduate or professional degree.
How healthy is White Oak?
The obesity rate in White Oak is 39.5% (above the national rate of 32.1%). 19.4% of adults are smokers. 30.1% are physically inactive. 26.9% of residents report depression. 7.8% lack health insurance. 42.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,353.
What is transportation like in White Oak?
The average commute in White Oak is 24 minutes, shorter than the national average of 28 minutes. 66.2% of workers drive alone to work, and 7.0% work from home.
What are the demographics of White Oak?
The racial and ethnic makeup of White Oak is 70.6% White, 5.7% Hispanic or Latino. 96.6% of residents speak only English at home. 6.5% of the population are military veterans. 24.5% of residents have a disability. 92.2% have health insurance coverage.