In Ardmore, a typical home is worth $170,000 and typical rent is $1,006 a month. Compared with all of Carter County, typical household income is 11% lower and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $123,807 to $157,409.
Typical rent
$1,113a month
▼ 3.2% less than 12 months ago
Typical rent from Zillow, June 2024 to September 2026: from $1,036 to $1,113.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ardmore is in Carter 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 Carter County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Pauls Valley, the typical home value is $98,200: 42% less than in Ardmore ($170,000).
2
54% of households in Ardmore own their home, against 67% in Carter County.
3
Nearby, in Pauls Valley, the typical rent is $852: 15% less than in Ardmore ($1,006).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Ardmore
What homes there are in Ardmore, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Ardmore
Carter County
Oklahoma
United States
Kind of home: Ardmore and its comparisons
Measure
Ardmore
Carter County
Oklahoma
United States
Detached house
78%
77%
73%
61%
Attached house
4%
3%
2%
6%
Building of 2 to 4
6%
4%
5%
8%
Apartments (5 or more)
8%
4%
12%
19%
Mobile home
4%
12%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Carter County, most homes in Ardmore are detached houses (78%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Ardmore
Carter County
Oklahoma
United States
Year built: Ardmore and its comparisons
Measure
Ardmore
Carter County
Oklahoma
United States
Before 1960
41%
31%
21%
26%
1960–1979
22%
23%
28%
24%
1980–1999
18%
23%
24%
25%
2000–2009
11%
13%
13%
14%
2010 or later
8%
10%
13%
11%
In Ardmore, half of the homes were built before 1971; in Carter County, before 1978.
Homes in Ardmore are smaller: 59% have 3 bedrooms or more; in Carter County, 64%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K26%
$100K–$200K30%
$200K–$300K23%
$300K–$500K16%
$500K–$750K3%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Ardmore and its comparisons
Measure
Ardmore
Under $100K
26%
$100K–$200K
30%
$200K–$300K
23%
$300K–$500K
16%
$500K–$750K
3%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Carter County is $541,287, and about 96% of owner-occupied homes in Ardmore are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5009%
$500–$99941%
$1,000–$1,49938%
HUD fair market rent, 2 bedrooms: $1,040
$1,500–$1,99911%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ardmore and its comparisons
Measure
Ardmore
Under $500
9%
$500–$999
41%
$1,000–$1,499
38%
$1,500–$1,999
11%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
Measured against HUD's 2-bedroom fair market rent ($1,040), about 53% of rented homes in Ardmore cost less.
With a mortgage
$1,413 a month
Carter County: $1,451 a month
Without a mortgage
$491 a month
Carter County: $449 a month
Owners with a mortgage
54%
Carter County: 48%
The typical cost for an owner with a mortgage in Ardmore is $1,413 a month, near the figure in Carter County ($1,451).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ardmore+58%
Carter County+49%
Oklahoma+46%
United States+53%
Typical rent
Ardmore+27%
Carter County+27%
Oklahoma+25%
United States+33%
Typical household income
Ardmore+13%
Carter County+18%
Oklahoma+23%
United States+29%
Change since 2015–2019: Ardmore and its comparisons
Measure
Ardmore
Carter County
Oklahoma
United States
Typical home value
+58%
+49%
+46%
+53%
Typical rent
+27%
+27%
+25%
+33%
Typical household income
+13%
+18%
+23%
+29%
From 2015–2019 to 2020–2024, the typical home value in Ardmore rose 58%; in Carter County, it rose 49%.
Much as in Carter County, the typical rent in Ardmore rose 27% since 2015–2019.
The typical household income in Ardmore rose 13%: less than home values (+58%) and rent (+27%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ardmore and its comparisons
Measure
Ardmore
Carter County
Oklahoma
United States
Rental vacancy
7.4%
6.3%
6.5%
5.5%
Homeowner vacancy
2.4%
2.0%
1.2%
0.9%
More than one person per room
2.4%
2.3%
2.9%
3.4%
People per household
2.46
2.50
2.50
2.53
Drive alone
78%
78%
77%
69%
Carpool
13%
14%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
2%
2%
2%
3%
Work from home
4%
5%
9%
15%
Other means
2%
2%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
In Ardmore, the rental vacancy rate is 7.4%; in Carter County, 6.3%.
More than one person per room: that is how 2.4% of households in Ardmore live, near the figure in Carter County (2.3%).
Much as in Carter County, a household in Ardmore has 2.46 people on average.
To get to work, 78% of workers in Ardmore drive alone; in Carter County, 78%.
Do the math
What would you pay each month for a home in Ardmore?
A typical home is tight for the typical income
We start with a typical home in Ardmore, worth $170,000, 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 Ardmore, which is $53,900 a year. For that payment to be 28% of income, a household would need to earn about $59,638 a year.
The calculator's FHA and conventional loan limits are those of all of Carter County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Ardmore. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,950 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,392
at 7.18% · 30 years
Loan amount
$166,921
Total interest
$240,160
Paid off in
November 2056
Includes $2,871 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,258 a month
Tight
$1,258 to $1,617 a month
Your payment · 31%
Hard
more than $1,617 a month
Compared with the typical household income in Ardmore ($53,900 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,131
Property tax
$115
Home insurance
$71
FHA mortgage insurance (MIP)
$75
You need at least $5,950 for the down payment, plus closing costs.
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.
Total monthly payment $1,392; principal and interest $1,131.
The city and its county
Ardmore and Carter County
Ardmore is in Carter 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).
Ardmore
Map of Carter County, Oklahoma, with Ardmore marked. Around it, the neighboring counties.
Ardmore
Carter County
Other cities with a page
Ardmore's own numbers
Typical home value
$170,000
Typical monthly rent
$1,006
Typical yearly household income
$53,900
Households that own their home
54%
Effective property tax rate
0.81%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Carter County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,040
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
1.4%
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 Carter County.
A typical home in Ardmore is worth $170,000: about the same as the county and 15% below Oklahoma. With the typical household income in Ardmore ($53,900 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.
Ardmore3.2 years
Carter2.8 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Carter County
According to FHFA’s house price index, home prices in Carter County rose 60% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Carter County.
Yearly change in FHFA’s price index in Carter County, 2016 to 2025
2016: −0.9% −0.9% 2016
2017: +3.2% +3.2% 2017
2018: +1.5% +1.5% 2018
2019: +1.5% +1.5% 2019
2020: +3.3% +3.3% 2020
2021: +12.0% +12.0% 2021
2022: +14.5% +14.5% 2022
2023: +12.3% +12.3% 2023
2024: −0.1% −0.1% 2024
2025: +2.2% +2.2% 2025
Change in FHFA’s price index in Carter County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+2.2%
+2.6%
+2.9%
5 years (2020–2025)
+47%
+46%
+47%
10 years (2015–2025)
+60%
+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
Ardmore next to Carter 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
Ardmore$170,000
Carter$168,500
Oklahoma$199,800
United States$332,700
Typical monthly rent
Ardmore$1,006
Carter$980
Oklahoma$1,014
United States$1,413
Typical yearly household income
Ardmore$53,900
Carter$60,723
Oklahoma$65,039
United States$80,734
See the full table
Ardmore next to Carter County and Oklahoma
Measure
Ardmore
Carter County
Oklahoma
U.S.
Typical home value
$170,000
$168,500
$199,800
$332,700
Typical monthly rent
$1,006 ▲3% above the county
$980
$1,014
$1,413
Typical yearly household income
$53,900 ▼11% below the county
$60,723
$65,039
$80,734
Households that own their home
54% ▼12 points below the county
67%
66%
65%
Typical yearly property tax
$1,378 ▲11% above the county
$1,244
$1,599
$3,119
Effective property tax rate
0.81% ▲0.07 points above the county
0.74%
0.8%
0.94%
Renters with high rent for their income
47% ▲2 points above the county
45%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Carter 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 Ardmore
For a typical $170,000 home in Ardmore, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ardmore's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,392a month
Least cash to close
Down payment
$5,950
Cash to close
$11,050
Rate
7.18%
Mortgage insurance
FHA MIP · $75
Conventional, 5% down$1,360a month
Down payment
$8,500
Cash to close
$13,600
Rate
7.18%
Mortgage insurance
PMI · $81
Conventional, 20% down, no PMI$1,107a month
Down payment
$34,000
Cash to close
$39,100
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,264a month
Down payment
$25,500
Cash to close
$30,600
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ardmore
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,392
$5,950
$166,921
7.18%
FHA MIP · $75
$11,050
580
Conventional, 5% down
$1,360
$8,500
$161,500
7.18%
PMI · $81
$13,600
620*
Conventional, 20% down, no PMI
$1,107
$34,000
$136,000
7.18%
None
$39,100
620*
ITIN, 15% down (example)
$1,264
$25,500
$144,500
8.18%
None
$30,600
Set by the lender
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.
Typical rent in Ardmore is $1,006 a month: 3% above the county. In Ardmore, 47% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Carter County, by unit size. To pay the 2-bedroom one ($1,040 a month) without spending more than 30% of your income, you would need to earn $20.00 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Carter County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$762
$14.65
$30,480
1 bedroom
$836
$16.08
$33,440
2 bedrooms
$1,040
$20.00
$41,600
3 bedrooms
$1,318
$25.35
$52,720
4 bedrooms
$1,548
$29.77
$61,920
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 Ardmore
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ardmore is in ZIP code 73401.
For 2 bedrooms it is $1,090: $50 more than the fair market rent for Carter County ($1,040).
Fair market rent by ZIP code and size in Ardmore, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
73401
$800
$880
$1,090
$1,380
$1,620
ZIP code2 bd3 bd
73401 $1,090$1,380
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ardmore 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 12 buildings with rents for lower incomes in Ardmore. These are the largest.
Shady Acres1310 D St NW, Ardmore 7340187 low-income homes · Studio: 24 · 1 bd: 18 · 2 bd: 18 · 3 bd: 22 · 4 bd: 4 · In service since 2019 · For families, people experiencing homelessness(580) 222-6101
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 Carter County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Ardmore or Carter County. The ones below are statewide in Oklahoma: they work in Ardmore the same as in the rest of the state.
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).
No legal help resource on our list is for Ardmore or Carter County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Ardmore and all of Carter 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 Ardmore?
The typical home value in Ardmore is $170,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Carter County it is $168,500.
How much does it cost to rent in Ardmore?
Typical rent in Ardmore is $1,006 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Carter County is $1,040.
What is the FHA loan limit in Ardmore?
Ardmore uses the FHA limit for all of Carter 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 Ardmore?
The typical homeowner in Ardmore pays $1,378 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Carter County, the rate is 0.74%.
Where can I find free help to buy or rent in Ardmore?
We found no HUD-approved counseling agencies with an office in Carter County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
