Ada, OK home prices
Typical home $191,605 · +6.5% in a year · income needed $52,700
The Ada, OK metro area ranks 673 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +6.5% in a year and +25.6% over five years. With 20% down at 7.11%, the typical home costs about $1,230 a month including 0.65% property tax (Pontotoc County rate).
Mortgage on the typical Ada home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $38,321 | $153,284 | $1,031 | $0 | $199 | $1,230 | $52,700 |
| 10% down | $19,160 | $172,444 | $1,160 | $72 | $199 | $1,431 | $61,300 |
| 5% down | $9,580 | $182,025 | $1,224 | $76 | $199 | $1,499 | $64,300 |
| 3.5% down (FHA) | $6,706 | $188,134 | $1,266 | $85 | $199 | $1,549 | $66,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.65% 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.
Counties in the Ada area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Pontotoc County, OK | $191,508 | +6.4% | 0.65% |
What can you afford in Oklahoma on your salary? · Oklahoma home prices · Salaries in Oklahoma
Frequently asked questions
How much is a house in Ada?
The typical home in the Ada, OK metro area is worth $191,605 (Zillow, September 2026).
What salary do you need to buy a house in Ada?
About $52,700 a year for the typical home with 20% down at 7.11%.