In Blackwell, a typical home is worth $85,600 and typical rent is $809 a month. Compared with all of Kay County, the typical home value is 31% lower and typical household income is 9% lower.
Typical home value from Zillow, September 2021 to September 2026: from $57,881 to $63,056.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Blackwell is in Kay 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 Kay County. See the county
What this place has that others do not, from public data, most unusual first.
1
Blackwell has the lowest typical home value of the 75 cities in Oklahoma with more than 5,000 people: $85,600.
2
According to Zillow, in the 12 months to September 2026 the typical home value in Blackwell fell 6.7%; in Oklahoma, it rose 2.6%.
3
Blackwell has the 5th smallest share of rent-burdened renters of the 70 cities in Oklahoma with more than 5,000 people (36%).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Blackwell
What homes there are in Blackwell, 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
Blackwell
Kay County
Oklahoma
United States
Kind of home: Blackwell and its comparisons
Measure
Blackwell
Kay County
Oklahoma
United States
Detached house
89%
82%
73%
61%
Attached house
Unreliable estimate
2%
2%
6%
Building of 2 to 4
Unreliable estimate
5%
5%
8%
Apartments (5 or more)
Unreliable estimate
6%
12%
19%
Mobile home
Unreliable estimate
6%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Blackwell: 89% of homes, more than in Kay County (82%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Blackwell
Kay County
Oklahoma
United States
Year built: Blackwell and its comparisons
Measure
Blackwell
Kay County
Oklahoma
United States
Before 1960
62%
45%
21%
26%
1960–1979
20%
30%
28%
24%
1980–1999
11%
16%
24%
25%
2000–2009
Unreliable estimate
5%
13%
14%
2010 or later
Unreliable estimate
4%
13%
11%
Homes in Blackwell are older: the typical year built is 1955; in Kay County, 1964.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K61%
$100K–$200K23%
$200K–$300K8%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Blackwell and its comparisons
Measure
Blackwell
Under $100K
61%
$100K–$200K
23%
$200K–$300K
8%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99965%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Blackwell and its comparisons
Measure
Blackwell
Under $500
Unreliable estimate
$500–$999
65%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,152 a month
Kay County: $1,256 a month
Without a mortgage
$458 a month
Kay County: $476 a month
Owners with a mortgage
40%
Kay County: 42%
Owning costs less in Blackwell: with a mortgage, the typical cost is $1,152 a month; in Kay County, $1,256. Without one, $458.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Blackwell+34%
Kay County+35%
Oklahoma+46%
United States+53%
Typical rent
BlackwellNo clear change
Kay County+25%
Oklahoma+25%
United States+33%
Typical household income
Blackwell+26%
Kay County+25%
Oklahoma+23%
United States+29%
Change since 2015–2019: Blackwell and its comparisons
Measure
Blackwell
Kay County
Oklahoma
United States
Typical home value
+34%
+35%
+46%
+53%
Typical rent
No clear change
+25%
+25%
+33%
Typical household income
+26%
+25%
+23%
+29%
Much as in Kay County, the typical home value in Blackwell rose 34% since 2015–2019.
Since 2015–2019, the typical rent in Blackwell did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Blackwell and its comparisons
Measure
Blackwell
Kay County
Oklahoma
United States
Rental vacancy
Unreliable estimate
8.3%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
2.2%
1.2%
0.9%
More than one person per room
Unreliable estimate
2.2%
2.9%
3.4%
People per household
2.55
2.52
2.50
2.53
Drive alone
84%
81%
77%
69%
Carpool
9%
13%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
4%
9%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
By size, households in Blackwell look like those in Kay County: 2.55 people on average.
The car rules in Blackwell: 84% 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 Blackwell?
A typical home is within reach of the typical income
We start with a typical home in Blackwell, worth $85,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 15% of the typical household income in Blackwell, which is $53,435 a year.
The calculator's FHA and conventional loan limits are those of all of Kay 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 Blackwell. 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 $2,996 (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
$684
at 7.18% · 30 years
Loan amount
$84,050
Total interest
$120,928
Paid off in
November 2056
Includes $1,446 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,247 a month
Your payment · 15%
Tight
$1,247 to $1,603 a month
Hard
more than $1,603 a month
Compared with the typical household income in Blackwell ($53,435 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$569
Property tax
$41
Home insurance
$36
FHA mortgage insurance (MIP)
$38
You need at least $2,996 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 $684; principal and interest $569.
The city and its county
Blackwell and Kay County
Blackwell is in Kay 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).
Blackwell
Map of Kay County, Oklahoma, with Blackwell marked. Around it, the neighboring counties.
Blackwell
Kay County
Other cities with a page
Blackwell's own numbers
Typical home value
$85,600
Typical monthly rent
$809
Typical yearly household income
$53,435
Households that own their home
72%
Effective property tax rate
0.58%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Kay 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)
+40%
Homes in a high flood-risk zone
5.2%
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 Kay County.
A typical home in Blackwell is worth $85,600: 31% below the county and 57% below Oklahoma. With the typical household income in Blackwell ($53,435 a year), a typical home costs 1.6 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.
Blackwell1.6 years
Kay2.1 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Kay County
According to FHFA’s house price index, home prices in Kay County rose 60% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Kay County.
Yearly change in FHFA’s price index in Kay County, 2016 to 2025
2016: +3.5% +3.5% 2016
2017: +4.6% +4.6% 2017
2018: +0.5% +0.5% 2018
2019: +1.7% +1.7% 2019
2020: +3.4% +3.4% 2020
2021: +12.5% +12.5% 2021
2022: +8.8% +8.8% 2022
2023: +5.7% +5.7% 2023
2024: +5.3% +5.3% 2024
2025: +2.7% +2.7% 2025
Change in FHFA’s price index in Kay County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+2.7%
+2.6%
+2.9%
5 years (2020–2025)
+40%
+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
Blackwell next to Kay 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
Blackwell$85,600
Kay$124,700
Oklahoma$199,800
United States$332,700
Typical monthly rent
Blackwell$809
Kay$842
Oklahoma$1,014
United States$1,413
Typical yearly household income
Blackwell$53,435
Kay$58,423
Oklahoma$65,039
United States$80,734
See the full table
Blackwell next to Kay County and Oklahoma
Measure
Blackwell
Kay County
Oklahoma
U.S.
Typical home value
$85,600 ▼31% below the county
$124,700
$199,800
$332,700
Typical monthly rent
$809 ▼4% below the county
$842
$1,014
$1,413
Typical yearly household income
$53,435 ▼9% below the county
$58,423
$65,039
$80,734
Households that own their home
72% ▲3 points above the county
69%
66%
65%
Typical yearly property tax
$494 ▼40% below the county
$821
$1,599
$3,119
Effective property tax rate
0.58% ▼0.08 points below the county
0.66%
0.8%
0.94%
Renters with high rent for their income
36% ▼4 points below the county
40%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kay 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 Blackwell
For a typical $85,600 home in Blackwell, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Blackwell's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$684a month
Least cash to close
Down payment
$2,996
Cash to close
$5,564
Rate
7.18%
Mortgage insurance
FHA MIP · $38
Conventional, 5% down$669a month
Down payment
$4,280
Cash to close
$6,848
Rate
7.18%
Mortgage insurance
PMI · $41
Conventional, 20% down, no PMI$541a month
Down payment
$17,120
Cash to close
$19,688
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$620a month
Down payment
$12,840
Cash to close
$15,408
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Blackwell
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$684
$2,996
$84,050
7.18%
FHA MIP · $38
$5,564
580
Conventional, 5% down
$669
$4,280
$81,320
7.18%
PMI · $41
$6,848
620*
Conventional, 20% down, no PMI
$541
$17,120
$68,480
7.18%
None
$19,688
620*
ITIN, 15% down (example)
$620
$12,840
$72,760
8.18%
None
$15,408
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 Blackwell is $809 a month: 4% below the county. In Blackwell, 36% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Kay 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Kay County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$638
$12.27
$25,520
1 bedroom
$700
$13.46
$28,000
2 bedrooms
$916
$17.62
$36,640
3 bedrooms
$1,199
$23.06
$47,960
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 Blackwell
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Blackwell is in ZIP code 74631.
For 2 bedrooms it is $920: $4 more than the fair market rent for Kay County ($916).
Fair market rent by ZIP code and size in Blackwell, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
74631
$640
$700
$920
$1,200
$1,200
ZIP code2 bd3 bd
74631 $920$1,200
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Blackwell 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 3 buildings with rents for lower incomes in Blackwell. These are the largest.
Jefferson Park Apts1012 S 10th St, Blackwell 7463160 low-income homes · Studio: 16 · 1 bd: 10 · 2 bd: 14 · 3 bd: 14 · 4 bd: 6 · In service since 2011 · For families(580) 363-3531
Urban Village1301 W Coolidge Ave, Blackwell 7463132 low-income homes · In service since 1992
Andros Village Apts606 S 21st St, Blackwell 7463116 low-income homes · 1 bd: 8 · 2 bd: 8 · In service since 1998
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 Kay 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 Blackwell or Kay County. The ones below are statewide in Oklahoma: they work in Blackwell 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 Blackwell or Kay 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 Blackwell and all of Kay 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 Blackwell?
The typical home value in Blackwell is $85,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kay County it is $124,700.
How much does it cost to rent in Blackwell?
Typical rent in Blackwell is $809 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kay County is $916.
What is the FHA loan limit in Blackwell?
Blackwell uses the FHA limit for all of Kay 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 Blackwell?
The typical homeowner in Blackwell pays $494 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Kay County, the rate is 0.66%.
Where can I find free help to buy or rent in Blackwell?
We found no HUD-approved counseling agencies with an office in Kay County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
