Carter County, Oklahoma home prices
Typical home $179,084 · +1.0% in a year · property tax 0.74%
The typical home in Carter County is worth $179,084, 19% less than the Oklahoma typical home ($220,801). Values changed +1.0% in the past year and +27.6% over five years. Homeowners here pay a median 0.74% of their home's value in property tax each year ($1,322 on the typical home), versus 0.76% statewide.
Mortgage on the typical Carter County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,817 | $143,267 | $964 | $0 | $200 | $1,163 | $49,900 |
| 10% down | $17,908 | $161,176 | $1,084 | $67 | $200 | $1,351 | $57,900 |
| 5% down | $8,954 | $170,130 | $1,144 | $71 | $200 | $1,415 | $60,600 |
| 3.5% down (FHA) | $6,268 | $175,841 | $1,183 | $79 | $200 | $1,462 | $62,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.74% 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 · part of the Ardmore metro area.
Oklahoma counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Adair County | $178,218 | +6.2% | 0.48% |
| Custer County | $177,048 | +2.9% | 0.69% |
| Nowata County | $176,746 | +5.3% | 0.65% |
| Pawnee County | $176,245 | +1.8% | 0.67% |
| Washington County | $185,331 | +5.4% | 0.9% |
| Texas County | $172,669 | +8.6% | 0.69% |
| Murray County | $172,264 | -5.0% | 0.42% |
| Roger Mills County | $186,797 | +5.8% | 0.46% |
| Lincoln County | $186,940 | +3.4% | 0.56% |
| Sequoyah County | $189,021 | +4.7% | 0.55% |
Frequently asked questions
What is the average home price in Carter County, OK?
The typical home value in Carter County is $179,084 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Carter County?
About $49,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Carter County?
The median effective rate is 0.74% of home value a year (Census ACS 2024 5-year estimates).