Oklahoma home prices and mortgage costs
Typical home value $220,801 · +2.6% in a year · property tax 0.76%
Oklahoma ranks 48th most expensive of 51 states and D.C. Home values changed +2.6% over the past year and +25.9% over five years. Buying the typical home with 20% down costs about $1,439 a month at 7.11%, which needs a household income of about $61,700.
Cost of the typical Oklahoma home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $44,160 | $176,641 | $1,188 | $0 | $250 | $1,439 | $61,700 |
| 10% down | $22,080 | $198,721 | $1,337 | $83 | $250 | $1,670 | $71,600 |
| 5% down | $11,040 | $209,761 | $1,411 | $87 | $250 | $1,749 | $75,000 |
| 3.5% down (FHA) | $7,728 | $216,802 | $1,458 | $98 | $250 | $1,807 | $77,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.76% 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.
Check a specific budget: how much house you can afford in Oklahoma by salary · payment on a $200K home in Oklahoma
Home prices by county in Oklahoma
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Logan County | $315,309 | +1.1% | 0.78% | $2,058 | $88,200 |
| Delaware County | $300,963 | +4.0% | 0.6% | $1,921 | $82,300 |
| McClain County | $285,440 | +0.8% | 0.79% | $1,867 | $80,000 |
| Rogers County | $284,951 | +3.3% | 0.75% | $1,854 | $79,500 |
| Wagoner County | $283,777 | +2.7% | 0.79% | $1,856 | $79,600 |
| Canadian County | $271,039 | +1.1% | 0.97% | $1,814 | $77,700 |
| Cleveland County | $251,085 | +0.6% | 1% | $1,686 | $72,300 |
| Tulsa County | $250,892 | +2.8% | 0.97% | $1,678 | $71,900 |
| Grady County | $244,386 | +4.5% | 0.68% | $1,576 | $67,500 |
| Payne County | $242,024 | +4.1% | 0.85% | $1,595 | $68,400 |
| Kingfisher County | $230,055 | +1.0% | 0.58% | $1,463 | $62,700 |
| Bryan County | $228,588 | -0.7% | 0.64% | $1,466 | $62,800 |
| Oklahoma County | $221,970 | +0.5% | 0.97% | $1,484 | $63,600 |
| Mayes County | $219,127 | +4.4% | 0.65% | $1,407 | $60,300 |
| Creek County | $218,789 | +5.0% | 0.71% | $1,417 | $60,700 |
| Osage County | $217,182 | +5.8% | 0.69% | $1,401 | $60,100 |
| Cherokee County | $214,211 | +8.4% | 0.54% | $1,356 | $58,100 |
| Atoka County | $213,742 | +4.2% | 0.55% | $1,356 | $58,100 |
| Marshall County | $208,939 | +3.9% | 0.55% | $1,324 | $56,800 |
| Love County | $201,492 | -1.4% | 0.63% | $1,290 | $55,300 |
| McIntosh County | $194,564 | +3.6% | 0.57% | $1,237 | $53,000 |
| McCurtain County | $194,518 | +2.4% | 0.37% | $1,203 | $51,600 |
| Pottawatomie County | $192,696 | +3.6% | 0.66% | $1,240 | $53,100 |
| Craig County | $192,296 | +3.9% | 0.55% | $1,219 | $52,200 |
| Pontotoc County | $191,508 | +6.4% | 0.65% | $1,230 | $52,700 |
| Sequoyah County | $189,021 | +4.7% | 0.55% | $1,198 | $51,300 |
| Lincoln County | $186,940 | +3.4% | 0.56% | $1,187 | $50,900 |
| Roger Mills County | $186,797 | +5.8% | 0.46% | $1,170 | $50,100 |
| Washington County | $185,331 | +5.4% | 0.9% | $1,229 | $52,700 |
| Carter County | $179,084 | +1.0% | 0.74% | $1,163 | $49,900 |
| Adair County | $178,218 | +6.2% | 0.48% | $1,120 | $48,000 |
| Custer County | $177,048 | +2.9% | 0.69% | $1,143 | $49,000 |
| Nowata County | $176,746 | +5.3% | 0.65% | $1,135 | $48,600 |
| Pawnee County | $176,245 | +1.8% | 0.67% | $1,134 | $48,600 |
| Texas County | $172,669 | +8.6% | 0.69% | $1,115 | $47,800 |
| Murray County | $172,264 | -5.0% | 0.42% | $1,073 | $46,000 |
| Le Flore County | $167,941 | +4.1% | 0.62% | $1,075 | $46,100 |
| Major County | $167,818 | +7.8% | 0.63% | $1,075 | $46,100 |
| Johnston County | $164,118 | +11.5% | 0.56% | $1,042 | $44,600 |
| Noble County | $160,635 | +4.7% | 0.8% | $1,052 | $45,100 |
| Comanche County | $159,044 | +6.7% | 0.88% | $1,053 | $45,100 |
| Pushmataha County | $156,493 | +3.2% | 0.39% | $971 | $41,600 |
| Haskell County | $155,167 | -0.4% | 0.43% | $968 | $41,500 |
| Muskogee County | $153,077 | +3.5% | 0.67% | $985 | $42,200 |
| Beckham County | $150,710 | +5.3% | 0.84% | $992 | $42,500 |
| Pittsburg County | $150,091 | +3.1% | 0.5% | $946 | $40,500 |
| Garvin County | $149,701 | +3.7% | 0.55% | $950 | $40,700 |
| Okfuskee County | $146,418 | +8.0% | 0.48% | $920 | $39,400 |
| Choctaw County | $144,011 | +2.9% | 0.41% | $896 | $38,400 |
| Latimer County | $142,021 | +0.5% | 0.53% | $898 | $38,500 |
| Ottawa County | $140,960 | +7.1% | 0.62% | $902 | $38,600 |
| Garfield County | $140,570 | +2.7% | 0.87% | $928 | $39,800 |
| Stephens County | $139,453 | +3.1% | 0.68% | $899 | $38,500 |
| Woodward County | $135,068 | +1.3% | 0.58% | $859 | $36,800 |
| Dewey County | $133,744 | +5.6% | 0.52% | $844 | $36,200 |
| Okmulgee County | $133,337 | -3.9% | 0.66% | $857 | $36,700 |
| Beaver County | $131,314 | -1.1% | 0.78% | $858 | $36,800 |
| Seminole County | $123,418 | +8.1% | 0.62% | $789 | $33,800 |
| Coal County | $123,291 | +0.9% | 0.53% | $779 | $33,400 |
| Kay County | $115,975 | +4.3% | 0.66% | $746 | $32,000 |
| Woods County | $115,954 | +6.9% | 0.58% | $738 | $31,600 |
| Jackson County | $114,643 | +3.6% | 0.59% | $731 | $31,300 |
| Hughes County | $113,391 | +5.6% | 0.6% | $724 | $31,000 |
| Grant County | $112,269 | +5.0% | 0.49% | $706 | $30,200 |
| Washita County | $107,292 | +2.7% | 0.52% | $678 | $29,100 |
| Caddo County | $107,084 | +6.0% | 0.54% | $678 | $29,100 |
| Cotton County | $106,672 | +0.6% | 0.74% | $693 | $29,700 |
| Blaine County | $101,516 | +0.8% | 0.58% | $646 | $27,700 |
| Ellis County | $100,841 | +0.7% | 0.74% | $655 | $28,100 |
| Jefferson County | $97,685 | +5.3% | 0.63% | $626 | $26,800 |
| Alfalfa County | $81,412 | -9.5% | 0.58% | $518 | $22,200 |
| Cimarron County | $78,197 | -2.1% | 0.4% | $486 | $20,800 |
| Greer County | $74,128 | -1.2% | 0.5% | $467 | $20,000 |
| Harper County | $73,892 | -0.0% | 0.64% | $474 | $20,300 |
| Kiowa County | $73,757 | +8.4% | 0.58% | $470 | $20,100 |
| Tillman County | $56,930 | -7.0% | 0.63% | $365 | $15,600 |
| Harmon County | $55,800 | -18.4% | 0.67% | $360 | $15,400 |
Metro areas in Oklahoma
Frequently asked questions
What is the average home price in Oklahoma?
The typical home in Oklahoma is worth $220,801 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Oklahoma?
About $61,700 a year to buy the typical $220,801 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Oklahoma?
The typical effective rate is 0.76% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).