Coal County, Oklahoma home prices
Typical home $123,291 · +0.9% in a year · property tax 0.53%
The typical home in Coal County is worth $123,291, 44% less than the Oklahoma typical home ($220,801). Values changed +0.9% in the past year and +31.2% over five years. Homeowners here pay a median 0.53% of their home's value in property tax each year ($649 on the typical home), versus 0.76% statewide.
Mortgage on the typical Coal County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $24,658 | $98,633 | $664 | $0 | $116 | $779 | $33,400 |
| 10% down | $12,329 | $110,962 | $746 | $46 | $116 | $908 | $38,900 |
| 5% down | $6,165 | $117,126 | $788 | $49 | $116 | $952 | $40,800 |
| 3.5% down (FHA) | $4,315 | $121,058 | $814 | $55 | $116 | $985 | $42,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.53% 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 |
|---|---|---|---|
| Seminole County | $123,418 | +8.1% | 0.62% |
| Kay County | $115,975 | +4.3% | 0.66% |
| Woods County | $115,954 | +6.9% | 0.58% |
| Beaver County | $131,314 | -1.1% | 0.78% |
| Jackson County | $114,643 | +3.6% | 0.59% |
| Hughes County | $113,391 | +5.6% | 0.6% |
| Okmulgee County | $133,337 | -3.9% | 0.66% |
| Dewey County | $133,744 | +5.6% | 0.52% |
| Grant County | $112,269 | +5.0% | 0.49% |
| Woodward County | $135,068 | +1.3% | 0.58% |
Frequently asked questions
What is the average home price in Coal County, OK?
The typical home value in Coal County is $123,291 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Coal County?
About $33,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Coal County?
The median effective rate is 0.53% of home value a year (Census ACS 2024 5-year estimates).