Alfalfa County, Oklahoma home prices
Typical home $81,412 · -9.5% in a year · property tax 0.58%
The typical home in Alfalfa County is worth $81,412, 63% less than the Oklahoma typical home ($220,801). Values changed -9.5% in the past year and -24.4% over five years. Homeowners here pay a median 0.58% of their home's value in property tax each year ($475 on the typical home), versus 0.76% statewide.
Mortgage on the typical Alfalfa County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $16,282 | $65,129 | $438 | $0 | $80 | $518 | $22,200 |
| 10% down | $8,141 | $73,271 | $493 | $31 | $80 | $604 | $25,900 |
| 5% down | $4,071 | $77,341 | $520 | $32 | $80 | $633 | $27,100 |
| 3.5% down (FHA) | $2,849 | $79,937 | $538 | $36 | $80 | $654 | $28,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.58% 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 |
|---|---|---|---|
| Cimarron County | $78,197 | -2.1% | 0.4% |
| Greer County | $74,128 | -1.2% | 0.5% |
| Harper County | $73,892 | -0.0% | 0.64% |
| Kiowa County | $73,757 | +8.4% | 0.58% |
| Jefferson County | $97,685 | +5.3% | 0.63% |
| Ellis County | $100,841 | +0.7% | 0.74% |
| Blaine County | $101,516 | +0.8% | 0.58% |
| Tillman County | $56,930 | -7.0% | 0.63% |
| Cotton County | $106,672 | +0.6% | 0.74% |
| Harmon County | $55,800 | -18.4% | 0.67% |
Frequently asked questions
What is the average home price in Alfalfa County, OK?
The typical home value in Alfalfa County is $81,412 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Alfalfa County?
About $22,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Alfalfa County?
The median effective rate is 0.58% of home value a year (Census ACS 2024 5-year estimates).