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State

Data from November 2026

Housing , home prices, rents and assistance in Oklahoma (2026)

In Oklahoma, a typical home is worth $199,800 and the typical rent is $1,014 a month. The FHA limit for a one-unit home is $541,287 in every one of its counties. 6 HUD-approved counseling agencies serve Oklahoma; 2 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $115,900
  • $115,900–$137,800
  • $137,800–$158,400
  • $158,400–$175,400
  • $175,400 or more

Tap the map to see each county’s figure and open its page.

Typical home value
$199,800
40% less than the U.S.
U.S.: $332,700
Typical rent per month
$1,014
28% less than the U.S.
U.S.: $1,413
Typical household income
$65,039
19% less than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287
It is the same across Oklahoma.
U.S.: $541,287 to $1,299,500
Property tax
0.8%
of value a year
The typical bill is $1,599 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Oklahoma

In Oklahoma, a typical home is worth $199,800: 40% less than in the United States overall. Prices change a lot by county: from $79,700 in Harmon County to $255,900 in McClain County. The typical household earns $65,039 a year and the typical rent is $1,014 a month; 46% of renter households spend 30% or more of their income on housing. 66% of households own their home, and the typical property tax is $1,599 a year (about 0.8% of value).

The conforming loan limit for a one-unit home is $832,750 across Oklahoma. To pay HUD’s fair rent for a 2-bedroom apartment in Oklahoma ($1,127) without spending more than 30% of income, you need about $21.67 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Oklahoma

More on property tax

  • Homestead exemption of $1,000 of assessed value

    Oklahoma law exempts each homestead (your main home) from all property (ad valorem) taxes on $1,000 of its assessed valuation. Apart from that exemption, the homestead is assessed the same as any other real property.

    Oklahoma Legislature (Oklahoma Statutes, Title 68) · Verified October 24, 2026

  • Additional homestead exemption for lower-income households

    On top of the basic homestead exemption, the law grants another $1,000 of assessed value off the homestead of a head of household whose gross household income from all sources for the previous calendar year did not exceed $30,000. You apply for it each year, by March 15 or within 30 days after receiving a notice of valuation increase, whichever is later, on the Oklahoma Tax Commission's form. On that form you certify the amount of your gross income. If you are 65 or older as of March 15 and qualified before, no yearly application is required.

    Oklahoma Legislature (Oklahoma Statutes, Title 68) · Verified October 24, 2026

  • Form 994: Social Security number optional unless the assessor asks

    Form OTC 994 is used to apply for the property valuation limitation and the additional homestead exemption. It has boxes for the applicant's and co-applicant's Social Security numbers and says they are optional unless the assessor requests them.

    Oklahoma Tax Commission (Form OTC 994) · Verified October 24, 2026

  • Deadline: apply by March 15

    You file the homestead exemption application with the county assessor, and you may file it at any time. To count for that year, it must be filed by March 15 or within 30 days after receiving a notice of valuation increase, whichever is later. If you file later, the exemption starts the following year. Once granted, you do not have to reapply as long as you keep living in the home as your homestead.

    Oklahoma Legislature (Oklahoma Statutes, Title 68) · Verified October 24, 2026

  • Deadline to protest the value: 30 days from the notice

    If the county assessor raises your property's value, you have 30 calendar days from the date the notice was mailed to file a written protest with the assessor, on the Oklahoma Tax Commission's form. If the value did not change, you may protest by the first Monday in April. If you disagree with the assessor's decision, you have 15 calendar days from the date that decision is mailed to appeal to the county board of equalization.

    Oklahoma Legislature (Oklahoma Statutes, Title 68) · Verified October 24, 2026

  • Cap on value increases: 3% a year with a homestead exemption

    Oklahoma's Constitution limits how much a property's fair cash value can rise each year: up to 5 percent a year, and up to 3 percent if the property has a homestead exemption or is agricultural land. The cap does not apply in a year when the property passes to a new owner or when improvements are made.

    Oklahoma Legislature (Oklahoma Constitution, Article X) · Verified October 24, 2026

The homes here

Housing in Oklahoma

What homes there are in Oklahoma, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 73% of homes here, against 61% in the U.S..

Year built

The typical year built in Oklahoma is 1980, about the same as in the U.S. (1980).

Homes in Oklahoma are bigger: 66% have 3 bedrooms or more; in the U.S., 61%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The most common value range in Oklahoma is between $100K and $200K: that is where 29% of owner-occupied homes sit.

Monthly rent with utilities

The most common rent in Oklahoma is between $500 and $999 a month: that is where 41% of rented homes sit.

With a mortgage

$1,539 a month

United States: $1,963 a month

Without a mortgage

$519 a month

United States: $638 a month

Owners with a mortgage

54%

United States: 61%

The typical cost for an owner with a mortgage in Oklahoma is $1,539 a month, less than in the U.S. ($1,963); without one, $519.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Oklahoma gained value more slowly than in the U.S.: 46% since 2015–2019, against 53%.

Since 2015–2019, the typical rent in Oklahoma rose 25%, less than in the U.S. (33%).

The typical household income in Oklahoma rose 23% over that time; home values changed +46% and rent +25%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureOklahomaUnited States
Rental vacancy 6.5%5.5%
Homeowner vacancy 1.2%0.9%
More than one person per room 2.9%3.4%
People per household 2.502.53
Drive alone 77%69%
Carpool 10%9%
Public transit 0%3%
Walk or bike 2%3%
Work from home 9%15%
Other means 1%2%
Typical commute Unreliable estimate20 to 29 minutes

In Oklahoma, the rental vacancy rate is 6.5%; in the U.S., 5.5%.

More than one person per room: that is how 2.9% of households in Oklahoma live, near the figure in the U.S. (3.4%).

A household in Oklahoma has 2.50 people on average, about the same as in the U.S. (2.53).

To get to work, 77% of workers in Oklahoma drive alone; in the U.S., 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Oklahoma

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Oklahoma

Start from the typical home value in Oklahoma, $199,800, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Oklahoma

$
%

Estimated monthly payment

$1,634

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Oklahoma rose 71% in the 10 years through 2025.

Price change each year

Period Oklahoma United States
In 2025 +2.6% +2.9%
5 years (2020–2025) +46% +47%
10 years (2015–2025) +71% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Oklahoma were 12% lower than the U.S. average. Housing rents were 38% lower than nationwide.

Category Oklahoma United States Versus the U.S.
All prices Consumer goods and services 87.8 100.0 12% less
Housing rents What renters pay 62.8 100.6 38% less
Water, power and gas Water, sewer, electricity and gas 73.9 98.4 25% less
Goods Food, clothing, transportation and more 93.8 99.6 6% less
Other services Services other than rent 95.5 100.1 5% less

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Oklahoma 2.2% of homes (33,967) are in a high-risk flood zone. Of those homes, 13% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Oklahoma United States
Homes in a high-risk zone 2.2% 3.5%
Of those, with NFIP insurance 13% 48%
All homes with NFIP insurance 0.5% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Oklahoma

The 16 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (59)

    Help to buy

    Assistance programs in Oklahoma

    Our list has 2 official programs that help you buy in Oklahoma. Each card says what kind of help it gives and when we checked its official page.

    See all 2 programs
    1. OHFA Homebuyer Down Payment Assistance

      Oklahoma state agency help of 3.5% of the loan for the down payment and closing costs, as a second lien with no interest and no installments, repaid when you pay off the loan, refinance or leave the home. Offered by Oklahoma Housing Finance Agency (OHFA).

      Deferred Verified November 5, 2026

    2. Down Payment Assistance Program

      Only in: Oklahoma City, Oklahoma County

      City of Oklahoma City forgivable loan, with federal HOME funds, of up to $18,000 for the down payment and closing costs, plus up to $5,000 to lower the rate; for incomes up to 80% of the median and homes within the program area. Offered by City of Oklahoma City.

      Forgivable Verified November 5, 2026

    Tenant rights

    Tenant rights in Oklahoma

    Oklahoma law answers 3 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      Data not available

    2. When must they return my deposit?

      If the landlord keeps part of the deposit for rent, damages or other allowed charges, the landlord must return the rest to you, without interest, within 45 days. The 45 days start after the tenancy ends, you return the unit, and you ask for the deposit in writing. If you do not ask in writing within 6 months after the tenancy ends, the deposit goes to the landlord.

      Okla. Stat. tit. 41, §115(B)

    3. If I fall behind on rent, what notice must I get?

      If you don't pay rent on time, the landlord can give you a written notice demanding payment. If you don't pay within 5 days after the notice, the landlord can end the rental agreement. The notice can come before or after the landlord sues for the rent. That notice also counts as notice to leave; the landlord does not have to give you another one.

      Okla. Stat. tit. 41, §131(B)

    4. How much notice ends a month-to-month rental?

      To end a month-to-month tenancy or a tenancy at will, the landlord or the tenant must give the other written notice at least 30 days before the end date. The 30 days start when the notice is served.

      Okla. Stat. tit. 41, §111(A)

    5. Are there limits on late fees?

      Data not available

    A mother holding her baby watches her daughter blow bubbles outdoors.

    Help and advice

    Who can help you in Oklahoma?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    6 HUD-approved counseling agencies serve Oklahoma; 2 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    104 public housing authorities run Section 8 vouchers and public housing in Oklahoma.

    See all 6 agencies See the housing agencies

    Who runs the help in Oklahoma

    • Oklahoma Housing Finance Agency (OHFA)

      The Oklahoma Housing Finance Agency (OHFA) has a down payment and/or closing cost assistance program for homebuyers. Its page says it offers 3.5% of the total loan amount for your home purchase, reducing out-of-pocket costs.

      The agency's official page · Verified October 24, 2026

    Where to file a complaint in Oklahoma

    • Where to file a housing discrimination complaint

      Complaints go to the Office of Civil Rights Enforcement of the Oklahoma Office of the Attorney General. A housing discrimination complaint must be filed within one year from the last alleged unlawful housing practice, or the right to legal relief may be lost.

      Oklahoma Office of the Attorney General, Office of Civil Rights Enforcement (OCRE) · Verified October 24, 2026

    • Help with insurance questions or complaints

      The Consumer Assistance Division of the Oklahoma Insurance Department gives the public insurance information and help, and investigates consumer requests for assistance (RFA) and complaints.

      Oklahoma Insurance Department (OID) · Verified October 24, 2026

    Guides

    Guides for you in Oklahoma

    We picked them with the numbers of Oklahoma. Each one says why it can help you.

    Frequently asked questions about housing in Oklahoma

    What is the FHA limit in Oklahoma in 2026?

    In Oklahoma, the FHA limit for a one-unit home is $541,287 in every one of its counties.

    How much does a typical home cost in Oklahoma?

    The typical home value in Oklahoma is $199,800 (Average 2020–2024, U.S. Census). The highest is in McClain County ($255,900) and the lowest in Harmon County ($79,700).

    How much does it cost to rent in Oklahoma?

    The typical rent in Oklahoma is $1,014 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Oklahoma?

    At HUD's average fair market rent in Oklahoma ($1,127, Fiscal year 2027), about $21.67 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Oklahoma?

    The typical property tax in Oklahoma is $1,599 a year, about 0.8% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Oklahoma?

    There are 6 HUD-approved counseling agencies in Oklahoma; 2 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).