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City · 16,575 residents · Pontotoc County, Oklahoma

Ada , Oklahoma

In Ada, a typical home is worth $169,300 and typical rent is $894 a month. Compared with all of Pontotoc County, typical household income is 15% lower and the share of households that own their home is 21 points lower.

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  • Typical home value

    $169,300

    3% below the county

    15% below Oklahoma

    • Ada
    • Pontotoc
    • Oklahoma

  • Typical rent

    $894a month

    About the same as the county

    12% below Oklahoma

    • Ada
    • Pontotoc
    • Oklahoma

  • Typical household income

    $53,507a year

    15% below the county

    18% below Oklahoma

    • Ada
    • Pontotoc
    • Oklahoma

  • Households that own their home

    45%

    21 points below the county

    21 points below Oklahoma

    • Ada
    • Pontotoc
    • Oklahoma

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$186,080
6.3% more than 12 months ago
Typical rent
$1,030 a month
about the same as 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Ada is in Pontotoc County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Pontotoc County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ada apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Holdenville, the typical home value is $91,600: 46% less than in Ada ($169,300).

  2. 45% of households in Ada own their home, against 66% in Pontotoc County.

  3. Nearby, in Holdenville, the typical rent is $665: 26% less than in Ada ($894).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Ada rose 6.3%; in Oklahoma, it rose 2.6%.

  5. The typical household income in Ada is $53,507, 15% less than in Pontotoc County as a whole ($63,017).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Ada

What homes there are in Ada, 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

In Ada, 7 in 10 homes are single-family detached houses; in Pontotoc County, 8.

Year built

In Ada, half of the homes were built before 1969; in Pontotoc County, before 1978.

There are fewer big homes in Ada than in Pontotoc County: 52% have 3 bedrooms or more, against 66%.

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

With an FHA limit of $541,287, at least 96% of owner-occupied homes in Ada sit below it: they are worth less than $500,000.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($982), about 62% of rented homes in Ada cost less.

With a mortgage

$1,336 a month

Pontotoc County: $1,352 a month

Without a mortgage

$500 a month

Pontotoc County: $457 a month

Owners with a mortgage

54%

Pontotoc County: 50%

Owning costs about the same in Ada as in Pontotoc County: with a mortgage, $1,336 a month; without one, $500.

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

From 2015–2019 to 2020–2024, the typical home value in Ada rose 58%; in Pontotoc County, it rose 36%.

Much as in Pontotoc County, the typical rent in Ada rose 28% since 2015–2019.

The typical household income in Ada rose 33% over that time; home values changed +58% and rent +28%.

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

MeasureAdaPontotoc CountyOklahomaUnited States
Rental vacancy 11.9%13.8%6.5%5.5%
Homeowner vacancy Unreliable estimate1.5%1.2%0.9%
More than one person per room Unreliable estimate1.9%2.9%3.4%
People per household 2.332.452.502.53
Drive alone 81%83%77%69%
Carpool 7%7%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike 6%5%2%3%
Work from home 4%4%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutesUnreliable estimate20 to 29 minutes

The rental vacancy rate in Ada is 11.9%, lower than in Pontotoc County (13.8%).

Much as in Pontotoc County, a household in Ada has 2.33 people on average.

The car rules in Ada: 81% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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

Do the math

What would you pay each month for a home in Ada?

A typical home is tight for the typical income

We start with a typical home in Ada, worth $169,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Ada, which is $53,507 a year. For that payment to be 28% of income, a household would need to earn about $58,848 a year.

The calculator's FHA and conventional loan limits are those of all of Pontotoc County.

Your numbers

Local data
$

Starts at the typical home value in Ada. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,926 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,373

at 7.18% · 30 years

Loan amount
$166,233
Total interest
$239,170
Paid off in
November 2056

Includes $2,859 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,248 a month

  • Tight

    $1,248 to $1,605 a month

    Your payment · 31%

  • Hard

    more than $1,605 a month

Compared with the typical household income in Ada ($53,507 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,373
Principal & interest$1,126
Property tax$102
Home insurance$71
FHA mortgage insurance (MIP)$75

You need at least $5,926 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Ada and Pontotoc County

Ada is in Pontotoc County, Oklahoma. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Ada's own numbers

Typical home value
$169,300
Typical monthly rent
$894
Typical yearly household income
$53,507
Households that own their home
45%
Effective property tax rate
0.72%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Pontotoc County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$982
Price change over 5 years (FHFA)
+37%
Homes in a high flood-risk zone
0.8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Pontotoc County.

Everything about Pontotoc County

Buying

Buying a home in Ada

A typical home in Ada is worth $169,300: 3% below the county and 15% below Oklahoma. With the typical household income in Ada ($53,507 a year), a typical home costs 3.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Ada 3.2 years
  • Pontotoc 2.8 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Pontotoc County

According to FHFA’s house price index, home prices in Pontotoc County rose 53% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Pontotoc County.

Period County Oklahoma U.S.
Last year (2025) +1.6% +2.6% +2.9%
5 years (2020–2025) +37% +46% +47%
10 years (2015–2025) +53% +71% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Ada next to Pontotoc County, Oklahoma and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Ada $169,300
  • Pontotoc $175,400
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Ada $894
  • Pontotoc $889
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Ada $53,507
  • Pontotoc $63,017
  • Oklahoma $65,039
  • United States $80,734
See the full table
Ada next to Pontotoc County and Oklahoma
Measure Ada Pontotoc County Oklahoma U.S.
Typical home value $169,300 $175,400 $199,800 $332,700
Typical monthly rent $894 $889 $1,014 $1,413
Typical yearly household income $53,507 $63,017 $65,039 $80,734
Households that own their home 45% 66% 66% 65%
Typical yearly property tax $1,221 $1,135 $1,599 $3,119
Effective property tax rate 0.72% 0.65% 0.8% 0.94%
Renters with high rent for their income 41% 38% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pontotoc County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Ada

For a typical $169,300 home in Ada, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ada's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,373a month

    Least cash to close
    Down payment
    $5,926
    Cash to close
    $11,005
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $75

  • Conventional, 5% down $1,342a month

    Down payment
    $8,465
    Cash to close
    $13,544
    Rate
    7.18%
    Mortgage insurance
    PMI · $80

  • Conventional, 20% down, no PMI $1,090a month

    Down payment
    $33,860
    Cash to close
    $38,939
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,246a month

    Down payment
    $25,395
    Cash to close
    $30,474
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Ada and for Pontotoc County.

Property tax

Effective rate in Ada

0.72%of the home’s value each year

$1,221 a year for the typical owner in Ada.

  • Ada 0.72%
  • Pontotoc 0.65%
  • Oklahoma 0.8%

What Oklahoma publishes Homestead exemption of $1,000 of assessed value (Oklahoma Legislature (Oklahoma Statutes, Title 68))

Exemptions and deadlines in Oklahoma

Flood risk in Pontotoc County

FEMA does not publish these numbers by city: they are for all of Pontotoc County.

Homes in the high-risk zone
0.8%
134
Of those, with NFIP insurance
7.5%
County Oklahoma U.S.
Homes in the high-risk zone 0.8% 2.2% 3.5%
Of those, with NFIP insurance 7.5% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ada

Typical rent in Ada is $894 a month: about the same as the county. In Ada, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Pontotoc County, by unit size. To pay the 2-bedroom one ($982 a month) without spending more than 30% of your income, you would need to earn $18.88 an hour working full time.

HUD fair market rent for all of Pontotoc County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $684 $13.15 $27,360
1 bedroom $751 $14.44 $30,040
2 bedrooms $982 $18.88 $39,280
3 bedrooms $1,218 $23.42 $48,720
4 bedrooms $1,291 $24.83 $51,640

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Ada

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ada is in ZIP code 74820.

For 2 bedrooms it is $1,020: $38 more than the fair market rent for Pontotoc County ($982).

  • 74820 $1,020$1,270

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ada when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Ada

HUD lists 16 buildings with rents for lower incomes in Ada. These are the largest.

  • Ada Housing Authority 1121 Forrest Ave, Ada 74820 140 low-income homes · Run by Housing Authority of the City of Ada · Average payment: $423 a month · Average wait: 15 months (580) 436-1613
  • Ada Reed 207 W Cottage St, Ada 74820 135 low-income homes · Run by Housing Authority of the City of Ada · Average payment: $375 a month · Average wait: 2 months (580) 436-1613
  • Rolling Meadows of Ada, LTD. 1300 Kerr Lab Rd, Ada 74820 60 homes, 58 low-income · For families (580) 332-2772
  • Ada Square 2001 B St, Ada 74820 56 low-income homes · 1 bd: 24 · 2 bd: 32 · In service since 2009 · For people with disabilities
  • Cottage Lane Family Residences 1318 Nadine Dr, Ada 74820 52 low-income homes · 1 bd: 38 · 2 bd: 14 · In service since 2016

See all 16 buildings in Pontotoc County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ada

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Pontotoc County; none says it serves in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Ada

No down payment, repair or rent-help program on our list is for Ada or Pontotoc County. The ones below are statewide in Oklahoma: they work in Ada the same as in the rest of the state.

Which programs do I qualify for? All programs in Oklahoma

  • OHFA Homebuyer Down Payment Assistance

    Statewide in Oklahoma

    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

    See the program Official page

Housing counselors near Ada

The HUD-approved agencies closest to the center of Ada, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Chickasaw Nation Division of Housing

    111 Rosedale Rd, Ada · 2 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (580) 421-8817

  • Community Action Agency of Oklahoma City and Oklahoma/Canadian Counties, Inc.

    319 SW 25th St, Oklahoma City · 67 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (405) 232-0199

  • Neighborhood Housing Services Oklahoma City

    4101 N Classen Blvd Ste A, Oklahoma City · 71 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (405) 231-4663

Every agency in Pontotoc County All counseling agencies in Oklahoma

Help in Spanish near Ada

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Ada

HUD’s record names them for Ada or Pontotoc County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Ada Public housing and Section 8 vouchers (580) 436-1613

All housing agencies in Oklahoma Source: HUD

Cities

Nearby cities

The cities closest to Ada, with the typical home value.

Everything about Pontotoc County Housing in Oklahoma

Neighboring counties

If Pontotoc County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Ada.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Ada

Short answers with the numbers for Ada and all of Pontotoc County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Ada?

The typical home value in Ada is $169,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pontotoc County it is $175,400.

How much does it cost to rent in Ada?

Typical rent in Ada is $894 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pontotoc County is $982.

What is the FHA loan limit in Ada?

Ada uses the FHA limit for all of Pontotoc County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Ada?

The typical homeowner in Ada pays $1,221 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Pontotoc County, the rate is 0.65%.

Where can I find free help to buy or rent in Ada?

There is 1 HUD-approved counseling agency with an office in Pontotoc County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).