Best PlacesLoyal, OK Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around Loyal, scored on 40 measures of daily life and ranked to fit what matters to you. Several measures below read low, and the ranked lists name which ones. To work out which city fits you best, start with the best places to live tool.
Loyal ranks 42,149th of 50,333 U.S. towns on the BestNeighborhood index. The weather pulls hardest against it, while it scores best on state finances.
The best neighborhoods in Loyal
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
Loyal's strengths and weaknesses
Where Loyal ranks high
- State fiscal healthBetter than 89% of towns
- QuietBetter than 82% of towns
- Housing crash safetyBetter than 73% of towns
- Short commute24.1 minutes each way, better than 68% of towns
- Cell coverageBetter than 66% of towns
Where Loyal ranks low
- Nice weatherabout 47 pleasant days a year, better than only 1% of towns
- Tree shadeBetter than only 5% of towns
- Crime safetyBetter than only 6% of towns
- Local economyBetter than only 6% of towns
- Air qualityBetter than only 7% of towns
What it costs to buy a home in Loyal
A household needs to earn about $48,000 a year to comfortably buy the median Loyal home, at 20% down and today's 30-year rate. That is below the area's own median income of $60,505, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses Loyal's effective rate of 0.78%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 9 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in Loyal
Loyal's age mix sits close to the national median, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for Loyal.
Who works in Loyal, and how
Work in Loyal centers on education and retail trade. Unemployment is low, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 84%
- Work from home 14%
- Transit, walk, or bike 2%
Life in Loyal
The map and measures below break down dining, culture, and green space by neighborhood across Loyal.
What the weather is like in Loyal, month by month
Loyal sees roughly 47 pleasant days a year. July highs average about 95 degrees. January highs sit near 50, with lows near 27. The comfortable stretch runs April, May, September, and October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 50° | 37° | 27° |
| April | 74° | 59° | 47° |
| July | 95° | 83° | 71° |
| October | 76° | 62° | 51° |
Flying in and out of Loyal
The nearest airport, Okc Will Rogers International, is about 49 miles away and is a small airport. The nearest major hub is Dallas-Fort Worth International, about 221 miles away.
The best schools in and around Loyal
Schools across Loyal average a C, better than 40% of towns.
Top elementary schools
- Lomega EsB · 47% proficient
- Heritage ElementaryB · 45% proficient
- Hennessey Lower EsC · 35% proficient
Top middle schools
- Hennessey Upper EsD+ · 25% proficient
- Okeene Jr-sr Hs (jr)F · 11% proficient
Top high schools
- Dover HsD+ · 25% proficient
- Kingfisher HsD · 20% proficient
- Lomega HsD− · 17% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every Loyal school and its grade on SchoolGrade.
Loyal measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare Loyal against the other 50,332 towns.
Common questions about living in Loyal
Is Loyal a good place to live?
Using BestNeighborhood's default rankings, Loyal ranks 42,149th of 50,333 towns. It scores highest on state finances, quiet, and a stable housing market, and lowest on the weather and tree cover. How good it is for you depends on which of those you weight most, which the map lets you set.
Is Loyal expensive to live in?
The median home is worth $184,937. The overall cost of living runs about 20% below the national average. Set against a $60,505 median income, cost of living beats 46% of towns.
Is Loyal safe?
Loyal is safer than 6% of towns. Safety varies a lot by neighborhood. Crime costs an estimated $812 per resident a year.
Compare Loyal with other towns
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to Loyal. Scores are absolute rather than ranked, which means a 60 in Loyal represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
Loyal detail on BestNeighborhood maps:
- Walk Grade for Loyal: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in Loyal: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of Loyal: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in Loyal: carrier by carrier coverage behind the cell score.
Loyal detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.