Enid, OK home prices
Typical home $140,582 · +2.8% in a year · income needed $39,800
The Enid, OK metro area ranks 834 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.8% in a year and +20.3% over five years. With 20% down at 7.11%, the typical home costs about $928 a month including 0.87% property tax (Garfield County rate).
Mortgage on the typical Enid home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $28,116 | $112,466 | $757 | $0 | $172 | $928 | $39,800 |
| 10% down | $14,058 | $126,524 | $851 | $53 | $172 | $1,076 | $46,100 |
| 5% down | $7,029 | $133,553 | $898 | $56 | $172 | $1,126 | $48,300 |
| 3.5% down (FHA) | $4,920 | $138,036 | $929 | $62 | $172 | $1,163 | $49,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.87% 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 Enid area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Garfield County, OK | $140,570 | +2.7% | 0.87% |
What can you afford in Oklahoma on your salary? · Oklahoma home prices · Salaries in Oklahoma
Frequently asked questions
How much is a house in Enid?
The typical home in the Enid, OK metro area is worth $140,582 (Zillow, September 2026).
What salary do you need to buy a house in Enid?
About $39,800 a year for the typical home with 20% down at 7.11%.