Oklahoma City, OK home prices
Typical home $243,069 · +1.0% in a year · income needed $69,700
The Oklahoma City, OK metro area ranks 478 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.0% in a year and +23.6% over five years. With 20% down at 7.11%, the typical home costs about $1,625 a month including 0.97% property tax (Oklahoma County rate).
Mortgage on the typical Oklahoma City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $48,614 | $194,456 | $1,308 | $0 | $317 | $1,625 | $69,700 |
| 10% down | $24,307 | $218,762 | $1,472 | $91 | $317 | $1,880 | $80,600 |
| 5% down | $12,153 | $230,916 | $1,553 | $96 | $317 | $1,967 | $84,300 |
| 3.5% down (FHA) | $8,507 | $238,667 | $1,606 | $108 | $317 | $2,030 | $87,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.97% 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 Oklahoma City area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Oklahoma County, OK | $221,970 | +0.5% | 0.97% |
| Cleveland County, OK | $251,085 | +0.6% | 1% |
| Canadian County, OK | $271,039 | +1.1% | 0.97% |
| Grady County, OK | $244,386 | +4.5% | 0.68% |
| Logan County, OK | $315,309 | +1.1% | 0.78% |
| McClain County, OK | $285,440 | +0.8% | 0.79% |
| Lincoln County, OK | $186,940 | +3.4% | 0.56% |
What can you afford in Oklahoma on your salary? · Oklahoma home prices · Salaries in Oklahoma
Frequently asked questions
How much is a house in Oklahoma City?
The typical home in the Oklahoma City, OK metro area is worth $243,069 (Zillow, September 2026).
What salary do you need to buy a house in Oklahoma City?
About $69,700 a year for the typical home with 20% down at 7.11%.