City · 37,878 residents · Washington County, Oklahoma
Bartlesville, Oklahoma
In Bartlesville, a typical home is worth $167,200 and typical rent is $916 a month. Home values, rent and income are very close to those of all of Washington County.
Typical home value from Zillow, September 2021 to September 2026: from $144,050 to $188,203.
Typical rent
$1,291a month
▲ 2.3% more than 12 months ago
Typical rent from Zillow, March 2023 to September 2026: from $1,074 to $1,291.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Bartlesville is in Washington 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 Washington County. See the county
What homes there are in Bartlesville, 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
Bartlesville
Washington County
Oklahoma
United States
Kind of home: Bartlesville and its comparisons
Measure
Bartlesville
Washington County
Oklahoma
United States
Detached house
79%
80%
73%
61%
Attached house
2%
2%
2%
6%
Building of 2 to 4
6%
5%
5%
8%
Apartments (5 or more)
11%
8%
12%
19%
Mobile home
2%
6%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Bartlesville, 8 in 10 homes are single-family detached houses, about the same as in Washington County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Bartlesville
Washington County
Oklahoma
United States
Year built: Bartlesville and its comparisons
Measure
Bartlesville
Washington County
Oklahoma
United States
Before 1960
34%
34%
21%
26%
1960–1979
35%
31%
28%
24%
1980–1999
17%
18%
24%
25%
2000–2009
8%
10%
13%
14%
2010 or later
6%
7%
13%
11%
The typical year built in Bartlesville is 1969, about the same as in Washington County (1971).
By size, homes in Bartlesville look like those in Washington County: 67% have 3 bedrooms or more.
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 $100K23%
$100K–$200K37%
$200K–$300K22%
$300K–$500K15%
$500K–$750K2%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Bartlesville and its comparisons
Measure
Bartlesville
Under $100K
23%
$100K–$200K
37%
$200K–$300K
22%
$300K–$500K
15%
$500K–$750K
2%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Washington County is $541,287, and about 97% of owner-occupied homes in Bartlesville are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50014%
$500–$99946%
HUD fair market rent, 2 bedrooms: $930
$1,000–$1,49928%
$1,500–$1,9997%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Bartlesville and its comparisons
Measure
Bartlesville
Under $500
14%
$500–$999
46%
$1,000–$1,499
28%
$1,500–$1,999
7%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Washington County is $930: about 53% of rents in Bartlesville are below it.
With a mortgage
$1,397 a month
Washington County: $1,413 a month
Without a mortgage
$486 a month
Washington County: $482 a month
Owners with a mortgage
54%
Washington County: 53%
In Bartlesville, 54% of owners have a mortgage; their typical cost is $1,397 a month, about the same as in Washington County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Bartlesville+36%
Washington County+44%
Oklahoma+46%
United States+53%
Typical rent
Bartlesville+23%
Washington County+23%
Oklahoma+25%
United States+33%
Typical household income
BartlesvilleNo clear change
Washington County+9%
Oklahoma+23%
United States+29%
Change since 2015–2019: Bartlesville and its comparisons
Measure
Bartlesville
Washington County
Oklahoma
United States
Typical home value
+36%
+44%
+46%
+53%
Typical rent
+23%
+23%
+25%
+33%
Typical household income
No clear change
+9%
+23%
+29%
The typical home value in Bartlesville rose 36% since 2015–2019, less than in Washington County (44%).
Rents in Bartlesville rose at about the same pace as in Washington County: 23% since 2015–2019, against 23%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Bartlesville and its comparisons
Measure
Bartlesville
Washington County
Oklahoma
United States
Rental vacancy
5.5%
5.8%
6.5%
5.5%
Homeowner vacancy
1.2%
1.5%
1.2%
0.9%
More than one person per room
2.0%
1.7%
2.9%
3.4%
People per household
2.49
2.49
2.50
2.53
Drive alone
76%
77%
77%
69%
Carpool
12%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
2%
2%
2%
3%
Work from home
8%
8%
9%
15%
Other means
2%
2%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
Much as in Washington County, the rental vacancy rate in Bartlesville is 5.5%.
In Bartlesville, 2.0% of households live with more than one person per room, about the same as in Washington County.
By size, households in Bartlesville look like those in Washington County: 2.49 people on average.
The car rules in Bartlesville: 76% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Bartlesville?
A typical home is tight for the typical income
We start with a typical home in Bartlesville, worth $167,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Bartlesville, which is $58,869 a year. For that payment to be 28% of income, a household would need to earn about $59,850 a year.
The calculator's FHA and conventional loan limits are those of all of Washington 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 Bartlesville. 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 $5,852 (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
$1,397
at 7.18% · 30 years
Loan amount
$164,172
Total interest
$236,204
Paid off in
November 2056
Includes $2,824 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,374 a month
Tight
$1,374 to $1,766 a month
Your payment · 28%
Hard
more than $1,766 a month
Compared with the typical household income in Bartlesville ($58,869 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,112
Property tax
$141
Home insurance
$70
FHA mortgage insurance (MIP)
$74
You need at least $5,852 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 $1,397; principal and interest $1,112.
The city and its county
Bartlesville and Washington County
Bartlesville is in Washington 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).
Bartlesville
Map of Washington County, Oklahoma, with Bartlesville marked. Around it, the neighboring counties.
Bartlesville
Washington County
Other cities with a page
Bartlesville's own numbers
Typical home value
$167,200
Typical monthly rent
$916
Typical yearly household income
$58,869
Households that own their home
68%
Effective property tax rate
1.01%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Washington County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$930
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
4.5%
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 Washington County.
A typical home in Bartlesville is worth $167,200: 3% below the county and 16% below Oklahoma. With the typical household income in Bartlesville ($58,869 a year), a typical home costs 2.8 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.
Bartlesville2.8 years
Washington2.9 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Washington County
According to FHFA’s house price index, home prices in Washington County rose 66% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Washington County.
Yearly change in FHFA’s price index in Washington County, 2016 to 2025
2016: −1.6% −1.6% 2016
2017: +4.8% +4.8% 2017
2018: +1.9% +1.9% 2018
2019: +1.1% +1.1% 2019
2020: +1.9% +1.9% 2020
2021: +13.6% +13.6% 2021
2022: +15.8% +15.8% 2022
2023: +6.4% +6.4% 2023
2024: +5.4% +5.4% 2024
2025: +3.8% +3.8% 2025
Change in FHFA’s price index in Washington County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+3.8%
+2.6%
+2.9%
5 years (2020–2025)
+53%
+46%
+47%
10 years (2015–2025)
+66%
+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
Bartlesville next to Washington 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
Bartlesville$167,200
Washington$173,200
Oklahoma$199,800
United States$332,700
Typical monthly rent
Bartlesville$916
Washington$907
Oklahoma$1,014
United States$1,413
Typical yearly household income
Bartlesville$58,869
Washington$60,162
Oklahoma$65,039
United States$80,734
See the full table
Bartlesville next to Washington County and Oklahoma
Measure
Bartlesville
Washington County
Oklahoma
U.S.
Typical home value
$167,200 ▼3% below the county
$173,200
$199,800
$332,700
Typical monthly rent
$916
$907
$1,014
$1,413
Typical yearly household income
$58,869 ▼2% below the county
$60,162
$65,039
$80,734
Households that own their home
68% ▼4 points below the county
72%
66%
65%
Typical yearly property tax
$1,685 ▲8% above the county
$1,558
$1,599
$3,119
Effective property tax rate
1.01% ▲0.11 points above the county
0.9%
0.8%
0.94%
Renters with high rent for their income
52% ▲1 points above the county
51%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Washington 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 Bartlesville
For a typical $167,200 home in Bartlesville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bartlesville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,397a month
Least cash to close
Down payment
$5,852
Cash to close
$10,868
Rate
7.18%
Mortgage insurance
FHA MIP · $74
Conventional, 5% down$1,366a month
Down payment
$8,360
Cash to close
$13,376
Rate
7.18%
Mortgage insurance
PMI · $79
Conventional, 20% down, no PMI$1,117a month
Down payment
$33,440
Cash to close
$38,456
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,271a month
Down payment
$25,080
Cash to close
$30,096
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Bartlesville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,397
$5,852
$164,172
7.18%
FHA MIP · $74
$10,868
580
Conventional, 5% down
$1,366
$8,360
$158,840
7.18%
PMI · $79
$13,376
620*
Conventional, 20% down, no PMI
$1,117
$33,440
$133,760
7.18%
None
$38,456
620*
ITIN, 15% down (example)
$1,271
$25,080
$142,120
8.18%
None
$30,096
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 Bartlesville is $916 a month: about the same as the county. In Bartlesville, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Washington County, by unit size. To pay the 2-bedroom one ($930 a month) without spending more than 30% of your income, you would need to earn $17.88 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 Washington County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$714
$13.73
$28,560
1 bedroom
$790
$15.19
$31,600
2 bedrooms
$930
$17.88
$37,200
3 bedrooms
$1,267
$24.37
$50,680
4 bedrooms
$1,272
$24.46
$50,880
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 Bartlesville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bartlesville has 2 ZIP codes with their own.
For 2 bedrooms it runs from $940 in 74003 to $960 in 74006.
2 of the 2 are above the fair market rent for Washington County ($930).
Fair market rent by ZIP code, HUD area and size in Bartlesville, fiscal year 2027. A ZIP code that crosses a HUD area line appears once per area.
74003
Tulsa, OK
$720
$790
$940
$1,270
$1,300
74006
Washington County, OK
$740
$820
$960
$1,310
$1,420
ZIP code2 bd3 bd
74003 $940$1,270
74006 $960$1,310
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bartlesville 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 Bartlesville. These are the largest.
Brookhaven Plaza1441 S Santa Fe Ave, Bartlesville 74003120 low-income homes · For families(918) 336-0050
Brookhaven Plaza Apts1443 S Santa Fe Ave, Bartlesville 74003120 low-income homes · 1 bd: 24 · 2 bd: 72 · 3 bd: 24 · In service since 2009 · For people with disabilities
Madison Village3105 E 4th St, Bartlesville 7400676 low-income homes · For older adults(918) 333-9560
Willoe Rock Apts5700 Hazel Rd, Bartlesville 7400676 low-income homes · For older adults(918) 333-8090
Willow Park Apts1100 S Madison Blvd, Bartlesville 7400676 low-income homes · 1 bd: 16 · 2 bd: 44 · 3 bd: 16 · In service since 2014 · For people with disabilities, families(918) 333-8090
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 Washington 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 Bartlesville or Washington County. The ones below are statewide in Oklahoma: they work in Bartlesville 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).
The HUD-approved agencies closest to the center of Bartlesville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Bartlesville or Washington 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 Bartlesville and all of Washington 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 Bartlesville?
The typical home value in Bartlesville is $167,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washington County it is $173,200.
How much does it cost to rent in Bartlesville?
Typical rent in Bartlesville is $916 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Washington County is $930.
What is the FHA loan limit in Bartlesville?
Bartlesville uses the FHA limit for all of Washington 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 Bartlesville?
The typical homeowner in Bartlesville pays $1,685 a year, according to the U.S. Census Bureau. That is 1.01% of the home’s value; in Washington County, the rate is 0.9%.
Where can I find free help to buy or rent in Bartlesville?
We found no HUD-approved counseling agencies with an office in Washington County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
