Ardmore, OK home prices
Typical home $183,684 · +1.1% in a year · income needed $51,100
The Ardmore, OK metro area ranks 704 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.1% in a year and +27.5% over five years. With 20% down at 7.11%, the typical home costs about $1,193 a month including 0.74% property tax (Carter County rate).
Mortgage on the typical Ardmore home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,737 | $146,947 | $989 | $0 | $205 | $1,193 | $51,100 |
| 10% down | $18,368 | $165,315 | $1,112 | $69 | $205 | $1,386 | $59,400 |
| 5% down | $9,184 | $174,500 | $1,174 | $73 | $205 | $1,451 | $62,200 |
| 3.5% down (FHA) | $6,429 | $180,357 | $1,213 | $81 | $205 | $1,499 | $64,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.74% 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 Ardmore area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Carter County, OK | $179,084 | +1.0% | 0.74% |
| Love County, OK | $201,492 | -1.4% | 0.63% |
What can you afford in Oklahoma on your salary? · Oklahoma home prices · Salaries in Oklahoma
Frequently asked questions
How much is a house in Ardmore?
The typical home in the Ardmore, OK metro area is worth $183,684 (Zillow, September 2026).
What salary do you need to buy a house in Ardmore?
About $51,100 a year for the typical home with 20% down at 7.11%.