Grady County, Oklahoma home prices
Typical home $244,386 · +4.5% in a year · property tax 0.68%
The typical home in Grady County is worth $244,386, 11% more than the Oklahoma typical home ($220,801). Values changed +4.5% in the past year and +33.2% over five years. Homeowners here pay a median 0.68% of their home's value in property tax each year ($1,662 on the typical home), versus 0.76% statewide.
Mortgage on the typical Grady County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $48,877 | $195,509 | $1,315 | $0 | $261 | $1,576 | $67,500 |
| 10% down | $24,439 | $219,947 | $1,480 | $92 | $261 | $1,832 | $78,500 |
| 5% down | $12,219 | $232,167 | $1,562 | $97 | $261 | $1,919 | $82,300 |
| 3.5% down (FHA) | $8,554 | $239,960 | $1,614 | $108 | $261 | $1,983 | $85,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.68% 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 |
|---|---|---|---|
| Payne County | $242,024 | +4.1% | 0.85% |
| Tulsa County | $250,892 | +2.8% | 0.97% |
| Cleveland County | $251,085 | +0.6% | 1% |
| 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% |
| Canadian County | $271,039 | +1.1% | 0.97% |
| Osage County | $217,182 | +5.8% | 0.69% |
Frequently asked questions
What is the average home price in Grady County, OK?
The typical home value in Grady County is $244,386 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Grady County?
About $67,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Grady County?
The median effective rate is 0.68% of home value a year (Census ACS 2024 5-year estimates).