Español

Este sitio también está en español. Leer en español

City · 9,215 residents · McClain County, Oklahoma

Blanchard , Oklahoma

In Blanchard, a typical home is worth $295,000 and typical rent is $962 a month. Compared with all of McClain County, the typical home value is 15% higher and typical household income is 8% higher.

WhatsApp

  • Typical home value

    $295,000

    15% above the county

    48% above Oklahoma

    • Blanchard
    • McClain
    • Oklahoma

  • Typical rent

    $962a month

    About the same as the county

    5% below Oklahoma

    • Blanchard
    • McClain
    • Oklahoma

  • Typical household income

    $91,473a year

    8% above the county

    41% above Oklahoma

    • Blanchard
    • McClain
    • Oklahoma

  • Households that own their home

    80%

    About the same as the county

    14 points above Oklahoma

    • Blanchard
    • McClain
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$321,460
2.1% more than 12 months ago

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

Blanchard is in McClain 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 McClain County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Blanchard apart

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

  1. Nearby, in Noble, the typical home value is $190,200: 36% less than in Blanchard ($295,000).

  2. The typical home in Blanchard is worth $295,000, 15% more than in McClain County as a whole ($255,900).

  3. Blanchard has the 6th highest homeownership rate of the 75 cities in Oklahoma with more than 5,000 people (80%).

  4. Blanchard has the 8th highest typical household income of the 75 cities in Oklahoma with more than 5,000 people ($91,473).

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

The homes here

Housing in Blanchard

What homes there are in Blanchard, 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

In Blanchard, 9 in 10 homes are single-family detached houses; in McClain County, 8.

Year built

Homes in Blanchard are newer: the typical year built is 2002; in McClain County, 1997.

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

With a mortgage

$1,828 a month

McClain County: $1,802 a month

Without a mortgage

$616 a month

McClain County: $580 a month

Owners with a mortgage

73%

McClain County: 61%

The typical cost for an owner with a mortgage in Blanchard is $1,828 a month, near the figure in McClain County ($1,802).

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, the typical home value in Blanchard rose 54%; in McClain County, it rose 44%.

The typical rent in Blanchard stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureBlanchardMcClain CountyOklahomaUnited States
Rental vacancy Unreliable estimate3.3%6.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.2%0.9%
More than one person per room Unreliable estimate2.1%2.9%3.4%
People per household 2.682.742.502.53
Drive alone 78%80%77%69%
Carpool 10%8%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 11%10%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutesUnreliable estimate20 to 29 minutes

Much as in McClain County, a household in Blanchard has 2.68 people on average.

In Blanchard, 78% of workers drive alone to work; in McClain County, 80%.

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 Blanchard?

A typical home is tight for the typical income

We start with a typical home in Blanchard, worth $295,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Blanchard, which is $91,473 a year. For that payment to be 28% of income, a household would need to earn about $104,227 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Blanchard. 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 $10,325 (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

$2,432

at 7.18% · 30 years

Loan amount
$289,657
Total interest
$416,748
Paid off in
November 2056

Includes $4,982 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,134 a month

  • Tight

    $2,134 to $2,744 a month

    Your payment · 32%

  • Hard

    more than $2,744 a month

Compared with the typical household income in Blanchard ($91,473 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,432
Principal & interest$1,962
Property tax$216
Home insurance$123
FHA mortgage insurance (MIP)$130

You need at least $10,325 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

Blanchard and McClain County

Blanchard is in McClain 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).

Blanchard's own numbers

Typical home value
$295,000
Typical monthly rent
$962
Typical yearly household income
$91,473
Households that own their home
80%
Effective property tax rate
0.88%

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

Numbers for all of McClain 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)
+48%
Homes in a high flood-risk zone
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 McClain County.

Everything about McClain County

Buying

Buying a home in Blanchard

A typical home in Blanchard is worth $295,000: 15% above the county and 48% above Oklahoma. With the typical household income in Blanchard ($91,473 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.

  • Blanchard 3.2 years
  • McClain 3.0 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in McClain County

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

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

Period County Oklahoma U.S.
Last year (2025) +0.3% +2.6% +2.9%
5 years (2020–2025) +48% +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

Blanchard next to McClain 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
  • Blanchard $295,000
  • McClain $255,900
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Blanchard $962
  • McClain $954
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Blanchard $91,473
  • McClain $84,552
  • Oklahoma $65,039
  • United States $80,734
See the full table
Blanchard next to McClain County and Oklahoma
Measure Blanchard McClain County Oklahoma U.S.
Typical home value $295,000 $255,900 $199,800 $332,700
Typical monthly rent $962 $954 $1,014 $1,413
Typical yearly household income $91,473 $84,552 $65,039 $80,734
Households that own their home 80% 79% 66% 65%
Typical yearly property tax $2,592 $2,023 $1,599 $3,119
Effective property tax rate 0.88% 0.79% 0.8% 0.94%
Renters with high rent for their income 45% 50% 46% 51%

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

For a typical $295,000 home in Blanchard, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Blanchard's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,432a month

    Least cash to close
    Down payment
    $10,325
    Cash to close
    $19,175
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $130

  • Conventional, 5% down $2,378a month

    Down payment
    $14,750
    Cash to close
    $23,600
    Rate
    7.18%
    Mortgage insurance
    PMI · $140

  • Conventional, 20% down, no PMI $1,938a month

    Down payment
    $59,000
    Cash to close
    $67,850
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,211a month

    Down payment
    $44,250
    Cash to close
    $53,100
    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 Blanchard and for McClain County.

Property tax

Effective rate in Blanchard

0.88%of the home’s value each year

$2,592 a year for the typical owner in Blanchard.

  • Blanchard 0.88%
  • McClain 0.79%
  • 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 McClain County

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

Homes in the high-risk zone
4%
687
Of those, with NFIP insurance
4.2%
County Oklahoma U.S.
Homes in the high-risk zone 4% 2.2% 3.5%
Of those, with NFIP insurance 4.2% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Blanchard

Typical rent in Blanchard is $962 a month: about the same as the county. In Blanchard, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of McClain 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 McClain 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 Blanchard

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Blanchard is in ZIP code 73010.

For 2 bedrooms it is $1,200: $64 less than the fair market rent for McClain County ($1,264).

  • 73010 $1,200$1,620

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

HUD lists 2 buildings with rents for lower incomes in Blanchard. These are the largest.

  • The Villas at Lions Court 801 NW 10th St, Blanchard 73010 53 low-income homes · 2 bd: 26 · 3 bd: 27 · In service since 2020 · For families
  • Blanchard Village Apts 1103 N Madison Ave, Blanchard 73010 8 low-income homes

See all 5 buildings in McClain County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Blanchard

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 McClain County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Blanchard

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

The HUD-approved agencies closest to the center of Blanchard, 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 · 21 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 · 26 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 · 61 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 Blanchard

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 Blanchard

HUD lists no housing authority with an office in McClain County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Oklahoma Source: HUD

Cities

Other cities in McClain County

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

Everything about McClain County Housing in Oklahoma

Nearby cities

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

Neighboring counties

If McClain 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 Blanchard.

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

Questions

Housing questions about Blanchard

Short answers with the numbers for Blanchard and all of McClain 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 Blanchard?

The typical home value in Blanchard is $295,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in McClain County it is $255,900.

How much does it cost to rent in Blanchard?

Typical rent in Blanchard is $962 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in McClain County is $1,264.

What is the FHA loan limit in Blanchard?

Blanchard uses the FHA limit for all of McClain 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 Blanchard?

The typical homeowner in Blanchard pays $2,592 a year, according to the U.S. Census Bureau. That is 0.88% of the home’s value; in McClain County, the rate is 0.79%.

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

We found no HUD-approved counseling agencies with an office in McClain 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).