Cleveland County, Oklahoma home prices
Typical home $251,085 · +0.6% in a year · property tax 1%
The typical home in Cleveland County is worth $251,085, 14% more than the Oklahoma typical home ($220,801). Values changed +0.6% in the past year and +24.3% over five years. Homeowners here pay a median 1% of their home's value in property tax each year ($2,514 on the typical home), versus 0.76% statewide.
Mortgage on the typical Cleveland County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,217 | $200,868 | $1,351 | $0 | $335 | $1,686 | $72,300 |
| 10% down | $25,108 | $225,976 | $1,520 | $94 | $335 | $1,949 | $83,500 |
| 5% down | $12,554 | $238,531 | $1,605 | $99 | $335 | $2,039 | $87,400 |
| 3.5% down (FHA) | $8,788 | $246,537 | $1,658 | $111 | $335 | $2,105 | $90,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1% 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 Oklahoma City metro area.
Oklahoma counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Tulsa County | $250,892 | +2.8% | 0.97% |
| Grady County | $244,386 | +4.5% | 0.68% |
| Payne County | $242,024 | +4.1% | 0.85% |
| Canadian County | $271,039 | +1.1% | 0.97% |
| Kingfisher County | $230,055 | +1.0% | 0.58% |
| Bryan County | $228,588 | -0.7% | 0.64% |
| Oklahoma County | $221,970 | +0.5% | 0.97% |
| Mayes County | $219,127 | +4.4% | 0.65% |
| Creek County | $218,789 | +5.0% | 0.71% |
| Wagoner County | $283,777 | +2.7% | 0.79% |
Frequently asked questions
What is the average home price in Cleveland County, OK?
The typical home value in Cleveland County is $251,085 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cleveland County?
About $72,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cleveland County?
The median effective rate is 1% of home value a year (Census ACS 2024 5-year estimates).