Adair County, Oklahoma home prices
Typical home $178,218 · +6.2% in a year · property tax 0.48%
The typical home in Adair County is worth $178,218, 19% less than the Oklahoma typical home ($220,801). Values changed +6.2% in the past year and +47.8% over five years. Homeowners here pay a median 0.48% of their home's value in property tax each year ($861 on the typical home), versus 0.76% statewide.
Mortgage on the typical Adair County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,644 | $142,574 | $959 | $0 | $161 | $1,120 | $48,000 |
| 10% down | $17,822 | $160,396 | $1,079 | $67 | $161 | $1,307 | $56,000 |
| 5% down | $8,911 | $169,307 | $1,139 | $71 | $161 | $1,370 | $58,700 |
| 3.5% down (FHA) | $6,238 | $174,990 | $1,177 | $79 | $161 | $1,417 | $60,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.48% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Oklahoma.
Oklahoma counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Carter County | $179,084 | +1.0% | 0.74% |
| Custer County | $177,048 | +2.9% | 0.69% |
| Nowata County | $176,746 | +5.3% | 0.65% |
| Pawnee County | $176,245 | +1.8% | 0.67% |
| Texas County | $172,669 | +8.6% | 0.69% |
| Murray County | $172,264 | -5.0% | 0.42% |
| Washington County | $185,331 | +5.4% | 0.9% |
| Roger Mills County | $186,797 | +5.8% | 0.46% |
| Lincoln County | $186,940 | +3.4% | 0.56% |
| Le Flore County | $167,941 | +4.1% | 0.62% |
Frequently asked questions
What is the average home price in Adair County, OK?
The typical home value in Adair County is $178,218 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Adair County?
About $48,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Adair County?
The median effective rate is 0.48% of home value a year (Census ACS 2024 5-year estimates).