Duncan, OK home prices
Typical home $139,459 · +3.1% in a year · income needed $38,500
The Duncan, OK metro area ranks 837 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.1% in a year and +30.9% over five years. With 20% down at 7.11%, the typical home costs about $899 a month including 0.68% property tax (Stephens County rate).
Mortgage on the typical Duncan home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $27,892 | $111,567 | $751 | $0 | $149 | $899 | $38,500 |
| 10% down | $13,946 | $125,513 | $844 | $52 | $149 | $1,046 | $44,800 |
| 5% down | $6,973 | $132,486 | $891 | $55 | $149 | $1,095 | $46,900 |
| 3.5% down (FHA) | $4,881 | $136,933 | $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.
Counties in the Duncan area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Stephens County, OK | $139,453 | +3.1% | 0.68% |
What can you afford in Oklahoma on your salary? · Oklahoma home prices · Salaries in Oklahoma
Frequently asked questions
How much is a house in Duncan?
The typical home in the Duncan, OK metro area is worth $139,459 (Zillow, September 2026).
What salary do you need to buy a house in Duncan?
About $38,500 a year for the typical home with 20% down at 7.11%.