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City · 20,560 residents · Oklahoma County, Oklahoma

Bethany , Oklahoma

In Bethany, a typical home is worth $171,600 and typical rent is $1,071 a month. Compared with all of Oklahoma County, the typical home value is 23% lower, typical household income is 15% lower, and the share of households that own their home is 5 points lower.

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  • Typical home value

    $171,600

    23% below the county

    14% below Oklahoma

    • Bethany
    • Oklahoma
    • Oklahoma

  • Typical rent

    $1,071a month

    4% below the county

    6% above Oklahoma

    • Bethany
    • Oklahoma
    • Oklahoma

  • Typical household income

    $56,591a year

    15% below the county

    13% below Oklahoma

    • Bethany
    • Oklahoma
    • Oklahoma

  • Households that own their home

    53%

    5 points below the county

    13 points below Oklahoma

    • Bethany
    • Oklahoma
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$175,099
1.2% less than 12 months ago
Typical rent
$1,266 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).

Bethany is in Oklahoma 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 Oklahoma County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bethany apart

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

  1. According to Zillow, in the 12 months to September 2026 the typical home value in Bethany fell 1.2%; in Oklahoma, it rose 2.6%.

  2. The typical home in Bethany is worth $171,600, 23% less than in Oklahoma County as a whole ($222,900).

  3. The typical household income in Bethany is $56,591, 15% less than in Oklahoma County as a whole ($66,679).

  4. Bethany has the 6th largest share of rent-burdened renters of the 70 cities in Oklahoma with more than 5,000 people (55%).

  5. 53% of households in Bethany own their home, against 58% in Oklahoma County.

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

The homes here

Housing in Bethany

What homes there are in Bethany, 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 is the most common home in Bethany: 67% of homes, near the figure in Oklahoma County (69%).

Year built

Homes in Bethany are older: the typical year built is 1967; in Oklahoma County, 1978.

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 Bethany sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,360 a month

Oklahoma County: $1,678 a month

Without a mortgage

$594 a month

Oklahoma County: $601 a month

Owners with a mortgage

52%

Oklahoma County: 59%

Owning costs less in Bethany: with a mortgage, the typical cost is $1,360 a month; in Oklahoma County, $1,678. Without one, $594.

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, home values in Bethany rose at about the same pace as in Oklahoma County: 43% against 45%.

Rents in Bethany rose at about the same pace as in Oklahoma County: 25% since 2015–2019, against 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

MeasureBethanyOklahoma CountyOklahomaUnited States
Rental vacancy 16.2%7.6%6.5%5.5%
Homeowner vacancy Unreliable estimate1.0%1.2%0.9%
More than one person per room 3.5%2.8%2.9%3.4%
People per household 2.572.412.502.53
Drive alone 77%76%77%69%
Carpool 13%10%10%9%
Public transit Unreliable estimate0%0%3%
Walk or bike 2%2%2%3%
Work from home 6%11%9%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutesUnreliable estimate20 to 29 minutes

The rental vacancy rate in Bethany is 16.2%, higher than in Oklahoma County (7.6%).

Much as in Oklahoma County, 3.5% of households in Bethany have more than one person per room.

More people live in each home here: 2.57 on average, against 2.41 in Oklahoma County.

Carpooling is common in Bethany: 13% of workers get to work that way, against 10% in Oklahoma 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 Bethany?

A typical home is tight for the typical income

We start with a typical home in Bethany, worth $171,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Bethany, which is $56,591 a year. For that payment to be 28% of income, a household would need to earn about $61,119 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Bethany. 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 $6,006 (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

$1,426

at 7.18% · 30 years

Loan amount
$168,492
Total interest
$242,420
Paid off in
November 2056

Includes $2,898 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,320 a month

  • Tight

    $1,320 to $1,698 a month

    Your payment · 30%

  • Hard

    more than $1,698 a month

Compared with the typical household income in Bethany ($56,591 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,426
Principal & interest$1,141
Property tax$137
Home insurance$72
FHA mortgage insurance (MIP)$76

You need at least $6,006 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

Bethany and Oklahoma County

Bethany is in Oklahoma 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).

Bethany's own numbers

Typical home value
$171,600
Typical monthly rent
$1,071
Typical yearly household income
$56,591
Households that own their home
53%
Effective property tax rate
0.96%

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

Numbers for all of Oklahoma County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,264
Price change over 5 years (FHFA)
+41%
Homes in a high flood-risk zone
1.3%

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 Oklahoma County.

Everything about Oklahoma County

Buying

Buying a home in Bethany

A typical home in Bethany is worth $171,600: 23% below the county and 14% below Oklahoma. With the typical household income in Bethany ($56,591 a year), a typical home costs 3.0 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.

  • Bethany 3.0 years
  • Oklahoma 3.3 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Oklahoma County

According to FHFA’s house price index, home prices in Oklahoma County rose 72% in the 10 years through 2025.

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

Period County Oklahoma U.S.
Last year (2025) +1.2% +2.6% +2.9%
5 years (2020–2025) +41% +46% +47%
10 years (2015–2025) +72% +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

Bethany next to Oklahoma 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
  • Bethany $171,600
  • Oklahoma $222,900
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Bethany $1,071
  • Oklahoma $1,116
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Bethany $56,591
  • Oklahoma $66,679
  • Oklahoma $65,039
  • United States $80,734
See the full table
Bethany next to Oklahoma County and Oklahoma
Measure Bethany Oklahoma County Oklahoma U.S.
Typical home value $171,600 $222,900 $199,800 $332,700
Typical monthly rent $1,071 $1,116 $1,014 $1,413
Typical yearly household income $56,591 $66,679 $65,039 $80,734
Households that own their home 53% 58% 66% 65%
Typical yearly property tax $1,647 $2,155 $1,599 $3,119
Effective property tax rate 0.96% 0.97% 0.8% 0.94%
Renters with high rent for their income 55% 49% 46% 51%

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

For a typical $171,600 home in Bethany, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bethany's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,426a month

    Least cash to close
    Down payment
    $6,006
    Cash to close
    $11,154
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $76

  • Conventional, 5% down $1,395a month

    Down payment
    $8,580
    Cash to close
    $13,728
    Rate
    7.18%
    Mortgage insurance
    PMI · $82

  • Conventional, 20% down, no PMI $1,139a month

    Down payment
    $34,320
    Cash to close
    $39,468
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,297a month

    Down payment
    $25,740
    Cash to close
    $30,888
    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 Bethany and for Oklahoma County.

Property tax

Effective rate in Bethany

0.96%of the home’s value each year

$1,647 a year for the typical owner in Bethany.

  • Bethany 0.96%
  • Oklahoma 0.97%
  • 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 Oklahoma County

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

Homes in the high-risk zone
1.3%
3,484
Of those, with NFIP insurance
18%
County Oklahoma U.S.
Homes in the high-risk zone 1.3% 2.2% 3.5%
Of those, with NFIP insurance 18% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bethany

Typical rent in Bethany is $1,071 a month: 4% below the county. In Bethany, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Oklahoma County, by unit size. To pay the 2-bedroom one ($1,264 a month) without spending more than 30% of your income, you would need to earn $24.31 an hour working full time.

HUD fair market rent for all of Oklahoma 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 $958 $18.42 $38,320
1 bedroom $1,040 $20.00 $41,600
2 bedrooms $1,264 $24.31 $50,560
3 bedrooms $1,713 $32.94 $68,520
4 bedrooms $1,923 $36.98 $76,920

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 Bethany

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bethany is in ZIP code 73008.

For 2 bedrooms it is $1,220: $44 less than the fair market rent for Oklahoma County ($1,264).

  • 73008 $1,220$1,650

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

Free help

Help to buy or rent in Bethany

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 are 2 HUD-approved agencies with an office in Oklahoma County; 1 says it serves in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Bethany

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

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

  • Neighborhood Housing Services Oklahoma City

    4101 N Classen Blvd Ste A, Oklahoma City · 6 miles away · Spanish

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

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

    319 SW 25th St, Oklahoma City · 8 miles away

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

  • Chickasaw Nation Division of Housing

    111 Rosedale Rd, Ada · 73 miles away

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

Every agency in Oklahoma County All counseling agencies in Oklahoma

Help in Spanish near Bethany

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 Bethany

In HUD’s record, no housing authority with an office in Oklahoma County is named for Bethany or Oklahoma County.

3 other authorities have an office in Oklahoma County: see the list Source: HUD

Cities

Other cities in Oklahoma County

These cities are also in Oklahoma County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Oklahoma County Housing in Oklahoma

Nearby cities

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

Neighboring counties

If Oklahoma 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 Bethany.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Bethany

Short answers with the numbers for Bethany and all of Oklahoma 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 Bethany?

The typical home value in Bethany is $171,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Oklahoma County it is $222,900.

How much does it cost to rent in Bethany?

Typical rent in Bethany is $1,071 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Oklahoma County is $1,264.

What is the FHA loan limit in Bethany?

Bethany uses the FHA limit for all of Oklahoma 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 Bethany?

The typical homeowner in Bethany pays $1,647 a year, according to the U.S. Census Bureau. That is 0.96% of the home’s value; in Oklahoma County, the rate is 0.97%.

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

There are 2 HUD-approved counseling agencies with an office in Oklahoma County. 1 says it serves in Spanish. 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).