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City · 5,572 residents · Caddo County, Oklahoma

Anadarko , Oklahoma

In Anadarko, a typical home is worth $89,300 and typical rent is $775 a month. Compared with all of Caddo County, the typical home value is 23% lower, typical household income is 22% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $89,300

    23% below the county

    55% below Oklahoma

    • Anadarko
    • Caddo
    • Oklahoma

  • Typical rent

    $775a month

    6% above the county

    24% below Oklahoma

    • Anadarko
    • Caddo
    • Oklahoma

  • Typical household income

    $43,105a year

    22% below the county

    34% below Oklahoma

    • Anadarko
    • Caddo
    • Oklahoma

  • Households that own their home

    58%

    14 points below the county

    7 points below Oklahoma

    • Anadarko
    • Caddo
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$73,972
3% more than 12 months ago

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

Anadarko is in Caddo 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 Caddo County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Anadarko apart

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

  1. Anadarko has the 3rd lowest typical home value of the 75 cities in Oklahoma with more than 5,000 people ($89,300).

  2. Anadarko has the 4th lowest typical household income of the 75 cities in Oklahoma with more than 5,000 people ($43,105).

  3. 58% of households in Anadarko own their home, against 73% in Caddo County.

  4. Anadarko has the 6th lowest typical rent of the 75 cities in Oklahoma with more than 5,000 people ($775).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Anadarko

What homes there are in Anadarko, 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

The detached house rules in Anadarko: 85% of homes, more than in Caddo County (81%).

Year built

The typical home in Anadarko was built in 1964, 8 years before the typical one in Caddo County.

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
Monthly rent with utilities

By rent, most homes in Anadarko cost less than HUD's 2-bedroom fair market rent ($916): about 67%.

With a mortgage

$1,005 a month

Caddo County: $1,166 a month

Without a mortgage

$452 a month

Caddo County: $428 a month

Owners with a mortgage

38%

Caddo County: 38%

Owning costs less in Anadarko: with a mortgage, the typical cost is $1,005 a month; in Caddo County, $1,166. Without one, $452.

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

The typical home value in Anadarko stayed about the same since 2015–2019: the Census sees no clear change.

Rents in Anadarko rose faster than in Caddo County: 41% since 2015–2019, against 26%.

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

MeasureAnadarkoCaddo CountyOklahomaUnited States
Rental vacancy Unreliable estimate6.0%6.5%5.5%
Homeowner vacancy Unreliable estimate1.1%1.2%0.9%
More than one person per room Unreliable estimate2.9%2.9%3.4%
People per household 3.262.772.502.53
Drive alone 76%79%77%69%
Carpool 15%12%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate5%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutesUnreliable estimate20 to 29 minutes

Households in Anadarko are bigger: 3.26 people on average; in Caddo County, 2.77.

Carpooling is common in Anadarko: 15% of workers get to work that way, against 12% in Caddo County.

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 Anadarko?

A typical home is within reach of the typical income

We start with a typical home in Anadarko, worth $89,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 20% of the typical household income in Anadarko, which is $43,105 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Anadarko. 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 $3,126 (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

$703

at 7.18% · 30 years

Loan amount
$87,682
Total interest
$126,154
Paid off in
November 2056

Includes $1,508 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,006 a month

    Your payment · 20%

  • Tight

    $1,006 to $1,293 a month

  • Hard

    more than $1,293 a month

Compared with the typical household income in Anadarko ($43,105 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$703
Principal & interest$594
Property tax$33
Home insurance$37
FHA mortgage insurance (MIP)$39

You need at least $3,126 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

Anadarko and Caddo County

Anadarko is in Caddo 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).

Anadarko's own numbers

Typical home value
$89,300
Typical monthly rent
$775
Typical yearly household income
$43,105
Households that own their home
58%
Effective property tax rate
0.44%

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

Numbers for all of Caddo County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$916
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
2.4%

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 Caddo County.

Everything about Caddo County

Buying

Buying a home in Anadarko

A typical home in Anadarko is worth $89,300: 23% below the county and 55% below Oklahoma. With the typical household income in Anadarko ($43,105 a year), a typical home costs 2.1 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.

  • Anadarko 2.1 years
  • Caddo 2.1 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Caddo County

According to FHFA’s house price index, home prices in Caddo County rose 73% in the 10 years through 2025.

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

Period County Oklahoma U.S.
Last year (2025) +1.8% +2.6% +2.9%
5 years (2020–2025) +46% +46% +47%
10 years (2015–2025) +73% +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

Anadarko next to Caddo 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
  • Anadarko $89,300
  • Caddo $115,700
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Anadarko $775
  • Caddo $734
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Anadarko $43,105
  • Caddo $55,353
  • Oklahoma $65,039
  • United States $80,734
See the full table
Anadarko next to Caddo County and Oklahoma
Measure Anadarko Caddo County Oklahoma U.S.
Typical home value $89,300 $115,700 $199,800 $332,700
Typical monthly rent $775 $734 $1,014 $1,413
Typical yearly household income $43,105 $55,353 $65,039 $80,734
Households that own their home 58% 73% 66% 65%
Typical yearly property tax $396 $626 $1,599 $3,119
Effective property tax rate 0.44% 0.54% 0.8% 0.94%
Renters with high rent for their income 45% 37% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Caddo 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 Anadarko

For a typical $89,300 home in Anadarko, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Anadarko's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $703a month

    Least cash to close
    Down payment
    $3,126
    Cash to close
    $5,805
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $39

  • Conventional, 5% down $687a month

    Down payment
    $4,465
    Cash to close
    $7,144
    Rate
    7.18%
    Mortgage insurance
    PMI · $42

  • Conventional, 20% down, no PMI $554a month

    Down payment
    $17,860
    Cash to close
    $20,539
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $636a month

    Down payment
    $13,395
    Cash to close
    $16,074
    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 Anadarko and for Caddo County.

Property tax

Effective rate in Anadarko

0.44%of the home’s value each year

$396 a year for the typical owner in Anadarko.

  • Anadarko 0.44%
  • Caddo 0.54%
  • 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 Caddo County

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

Homes in the high-risk zone
2.4%
279
Of those, with NFIP insurance
8.6%
County Oklahoma U.S.
Homes in the high-risk zone 2.4% 2.2% 3.5%
Of those, with NFIP insurance 8.6% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Anadarko

Typical rent in Anadarko is $775 a month: 6% above the county. In Anadarko, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Caddo County, by unit size. To pay the 2-bedroom one ($916 a month) without spending more than 30% of your income, you would need to earn $17.62 an hour working full time.

HUD fair market rent for all of Caddo 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 $703 $13.52 $28,120
1 bedroom $733 $14.10 $29,320
2 bedrooms $916 $17.62 $36,640
3 bedrooms $1,164 $22.38 $46,560
4 bedrooms $1,204 $23.15 $48,160

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 Anadarko

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Anadarko is in ZIP code 73005.

For 2 bedrooms it is $930: $14 more than the fair market rent for Caddo County ($916).

  • 73005 $930$1,180

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Anadarko 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 Anadarko

HUD lists 7 buildings with rents for lower incomes in Anadarko. These are the largest.

  • Unnamed 615 E Texas Dr, Anadarko 73005 80 low-income homes · Run by Housing Authority of the City of Anadarko · Average payment: $376 a month · Average wait: 13 months (405) 247-3110
  • Anadarko Village 400 S Country Club Rd, Anadarko 73005 48 homes, 47 low-income · 1 bd: 12 · 2 bd: 36 · In service since 2001
  • Iscani Subdivision To the City of 206 E Coronado Cir, Anadarko 73005 40 low-income homes · 2 bd: 24 · 3 bd: 16 · In service since 2009 · For people with disabilities
  • Iscani Subdivision City of Anadarko Phase I 1 Coronado Cir, Anadarko 73005 25 low-income homes · 1 bd: 3 · 2 bd: 10 · 3 bd: 12 · In service since 2008 · For people with disabilities
  • Anadarko Willows 901 Wells Dr, Anadarko 73005 17 low-income homes · For people with disabilities (405) 247-1020

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

Free help

Help to buy or rent in Anadarko

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.

We found no HUD-approved agencies with an office in Caddo County. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Anadarko

No down payment, repair or rent-help program on our list is for Anadarko or Caddo County. The ones below are statewide in Oklahoma: they work in Anadarko 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 Anadarko

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

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

    319 SW 25th St, Oklahoma City · 48 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 · 51 miles away · Spanish

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

  • Chickasaw Nation Division of Housing

    111 Rosedale Rd, Ada · 91 miles away

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

All counseling agencies in Oklahoma

Help in Spanish near Anadarko

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 Anadarko

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

  • Housing Authority of the City of Anadarko Public housing (405) 247-3110

6 other authorities have an office in Caddo County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Caddo County Housing in Oklahoma

Neighboring counties

If Caddo 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 Anadarko.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Anadarko

Short answers with the numbers for Anadarko and all of Caddo 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 Anadarko?

The typical home value in Anadarko is $89,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Caddo County it is $115,700.

How much does it cost to rent in Anadarko?

Typical rent in Anadarko is $775 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Caddo County is $916.

What is the FHA loan limit in Anadarko?

Anadarko uses the FHA limit for all of Caddo 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 Anadarko?

The typical homeowner in Anadarko pays $396 a year, according to the U.S. Census Bureau. That is 0.44% of the home’s value; in Caddo County, the rate is 0.54%.

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

We found no HUD-approved counseling agencies with an office in Caddo County; the nearest ones are on this page. 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).