Stephens County, Oklahoma home prices
Typical home $139,453 · +3.1% in a year · property tax 0.68%
The typical home in Stephens County is worth $139,453, 37% less than the Oklahoma typical home ($220,801). Values changed +3.1% in the past year and +31.0% over five years. Homeowners here pay a median 0.68% of their home's value in property tax each year ($950 on the typical home), versus 0.76% statewide.
Mortgage on the typical Stephens County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $27,891 | $111,562 | $750 | $0 | $149 | $899 | $38,500 |
| 10% down | $13,945 | $125,508 | $844 | $52 | $149 | $1,045 | $44,800 |
| 5% down | $6,973 | $132,480 | $891 | $55 | $149 | $1,095 | $46,900 |
| 3.5% down (FHA) | $4,881 | $136,927 | $921 | $62 | $149 | $1,132 | $48,500 |
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 Duncan metro area.
Oklahoma counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Garfield County | $140,570 | +2.7% | 0.87% |
| Ottawa County | $140,960 | +7.1% | 0.62% |
| Latimer County | $142,021 | +0.5% | 0.53% |
| Woodward County | $135,068 | +1.3% | 0.58% |
| Choctaw County | $144,011 | +2.9% | 0.41% |
| Dewey County | $133,744 | +5.6% | 0.52% |
| Okmulgee County | $133,337 | -3.9% | 0.66% |
| Okfuskee County | $146,418 | +8.0% | 0.48% |
| Beaver County | $131,314 | -1.1% | 0.78% |
| Garvin County | $149,701 | +3.7% | 0.55% |
Frequently asked questions
What is the average home price in Stephens County, OK?
The typical home value in Stephens County is $139,453 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Stephens County?
About $38,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Stephens County?
The median effective rate is 0.68% of home value a year (Census ACS 2024 5-year estimates).