Lincoln County, Oklahoma home prices
Typical home $186,940 · +3.4% in a year · property tax 0.56%
The typical home in Lincoln County is worth $186,940, 15% less than the Oklahoma typical home ($220,801). Values changed +3.4% in the past year and +27.4% over five years. Homeowners here pay a median 0.56% of their home's value in property tax each year ($1,050 on the typical home), versus 0.76% statewide.
Mortgage on the typical Lincoln County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $37,388 | $149,552 | $1,006 | $0 | $181 | $1,187 | $50,900 |
| 10% down | $18,694 | $168,246 | $1,132 | $70 | $181 | $1,383 | $59,300 |
| 5% down | $9,347 | $177,593 | $1,195 | $74 | $181 | $1,450 | $62,100 |
| 3.5% down (FHA) | $6,543 | $183,554 | $1,235 | $83 | $181 | $1,498 | $64,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.56% 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 |
|---|---|---|---|
| Roger Mills County | $186,797 | +5.8% | 0.46% |
| Washington County | $185,331 | +5.4% | 0.9% |
| Sequoyah County | $189,021 | +4.7% | 0.55% |
| Pontotoc County | $191,508 | +6.4% | 0.65% |
| Craig County | $192,296 | +3.9% | 0.55% |
| Pottawatomie County | $192,696 | +3.6% | 0.66% |
| McCurtain County | $194,518 | +2.4% | 0.37% |
| McIntosh County | $194,564 | +3.6% | 0.57% |
| Carter County | $179,084 | +1.0% | 0.74% |
| Adair County | $178,218 | +6.2% | 0.48% |
Frequently asked questions
What is the average home price in Lincoln County, OK?
The typical home value in Lincoln County is $186,940 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lincoln County?
About $50,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lincoln County?
The median effective rate is 0.56% of home value a year (Census ACS 2024 5-year estimates).