In Catoosa, a typical home is worth $178,800 and typical rent is $1,066 a month. Compared with all of Rogers County, the typical home value is 26% lower, typical household income is 9% lower, and the share of households that own their home is 17 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $176,775 to $235,215.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Catoosa is in Rogers 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 Rogers County. See the county
What this place has that others do not, from public data, most unusual first.
1
Catoosa has the 2nd smallest share of rent-burdened renters of the 70 cities in Oklahoma with more than 5,000 people (34%).
2
61% of households in Catoosa own their home, against 78% in Rogers County.
3
The typical home in Catoosa is worth $178,800,26% less than in Rogers County as a whole ($240,500).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Catoosa
What homes there are in Catoosa, 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
Catoosa
Rogers County
Oklahoma
United States
Kind of home: Catoosa and its comparisons
Measure
Catoosa
Rogers County
Oklahoma
United States
Detached house
66%
81%
73%
61%
Attached house
6%
1%
2%
6%
Building of 2 to 4
7%
3%
5%
8%
Apartments (5 or more)
9%
5%
12%
19%
Mobile home
12%
10%
8%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
Detached houses are the majority in Catoosa (66%), but less so than in Rogers County (81%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Catoosa
Rogers County
Oklahoma
United States
Year built: Catoosa and its comparisons
Measure
Catoosa
Rogers County
Oklahoma
United States
Before 1960
10%
10%
21%
26%
1960–1979
33%
23%
28%
24%
1980–1999
24%
26%
24%
25%
2000–2009
20%
22%
13%
14%
2010 or later
13%
19%
13%
11%
The typical home in Catoosa was built in 1986, 7 years before the typical one in Rogers County.
Homes in Catoosa are smaller: 69% have 3 bedrooms or more; in Rogers County, 79%.
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 $100K24%
$100K–$200K34%
$200K–$300K20%
$300K–$500K18%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Catoosa and its comparisons
Measure
Catoosa
Under $100K
24%
$100K–$200K
34%
$200K–$300K
20%
$300K–$500K
18%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
With an FHA limit of $541,287, at least 96% of owner-occupied homes in Catoosa sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99928%
$1,000–$1,49944%
$1,500–$1,99910%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Catoosa and its comparisons
Measure
Catoosa
Under $500
Unreliable estimate
$500–$999
28%
$1,000–$1,499
44%
$1,500–$1,999
10%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,316 a month
Rogers County: $1,599 a month
Without a mortgage
$467 a month
Rogers County: $545 a month
Owners with a mortgage
55%
Rogers County: 61%
In Catoosa, 55% of owners have a mortgage, and their typical cost is $1,316 a month, against $1,599 in Rogers County. Without one it drops to $467.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Catoosa+58%
Rogers County+48%
Oklahoma+46%
United States+53%
Typical rent
Catoosa+17%
Rogers County+20%
Oklahoma+25%
United States+33%
Typical household income
Catoosa+36%
Rogers County+22%
Oklahoma+23%
United States+29%
Change since 2015–2019: Catoosa and its comparisons
Measure
Catoosa
Rogers County
Oklahoma
United States
Typical home value
+58%
+48%
+46%
+53%
Typical rent
+17%
+20%
+25%
+33%
Typical household income
+36%
+22%
+23%
+29%
The typical home value in Catoosa rose 58% since 2015–2019, more than in Rogers County (48%).
The typical rent in Catoosa rose 17% over the same time; in Rogers County, it rose 20%.
To compare: typical income in Catoosa rose 36%; the home, +58%; the rent, +17%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Catoosa and its comparisons
Measure
Catoosa
Rogers County
Oklahoma
United States
Rental vacancy
Unreliable estimate
3.9%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
1.1%
1.2%
0.9%
More than one person per room
4.7%
2.9%
2.9%
3.4%
People per household
2.51
2.64
2.50
2.53
Drive alone
80%
78%
77%
69%
Carpool
12%
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
7%
12%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
In Catoosa, 4.7% of households live with more than one person per room, against 2.9% in Rogers County.
By size, households in Catoosa look like those in Rogers County: 2.51 people on average.
Carpooling is common in Catoosa: 12% of workers get to work that way, against 8% in Rogers County.
Do the math
What would you pay each month for a home in Catoosa?
A typical home is within reach of the typical income
We start with a typical home in Catoosa, worth $178,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Catoosa, which is $72,467 a year.
The calculator's FHA and conventional loan limits are those of all of Rogers 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 Catoosa. 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 $6,258 (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
$1,447
at 7.18% · 30 years
Loan amount
$175,561
Total interest
$252,592
Paid off in
November 2056
Includes $3,019 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,691 a month
Your payment · 24%
Tight
$1,691 to $2,174 a month
Hard
more than $2,174 a month
Compared with the typical household income in Catoosa ($72,467 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,189
Property tax
$104
Home insurance
$75
FHA mortgage insurance (MIP)
$79
You need at least $6,258 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 $1,447; principal and interest $1,189.
The city and its county
Catoosa and Rogers County
Catoosa is in Rogers 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).
Catoosa
Map of Rogers County, Oklahoma, with Catoosa marked. Around it, the neighboring counties.
Catoosa
Rogers County
Other cities with a page
Catoosa's own numbers
Typical home value
$178,800
Typical monthly rent
$1,066
Typical yearly household income
$72,467
Households that own their home
61%
Effective property tax rate
0.7%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Rogers County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,229
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
3.7%
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 Rogers County.
A typical home in Catoosa is worth $178,800: 26% below the county and 11% below Oklahoma. With the typical household income in Catoosa ($72,467 a year), a typical home costs 2.5 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.
Catoosa2.5 years
Rogers3.0 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Rogers County
According to FHFA’s house price index, home prices in Rogers County rose 81% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Rogers County.
Yearly change in FHFA’s price index in Rogers County, 2016 to 2025
2016: +1.7% +1.7% 2016
2017: +4.6% +4.6% 2017
2018: +2.3% +2.3% 2018
2019: +4.0% +4.0% 2019
2020: +4.1% +4.1% 2020
2021: +11.3% +11.3% 2021
2022: +15.8% +15.8% 2022
2023: +11.6% +11.6% 2023
2024: +2.2% +2.2% 2024
2025: +4.6% +4.6% 2025
Change in FHFA’s price index in Rogers County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+4.6%
+2.6%
+2.9%
5 years (2020–2025)
+54%
+46%
+47%
10 years (2015–2025)
+81%
+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
Catoosa next to Rogers 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
Catoosa$178,800
Rogers$240,500
Oklahoma$199,800
United States$332,700
Typical monthly rent
Catoosa$1,066
Rogers$1,047
Oklahoma$1,014
United States$1,413
Typical yearly household income
Catoosa$72,467
Rogers$80,067
Oklahoma$65,039
United States$80,734
See the full table
Catoosa next to Rogers County and Oklahoma
Measure
Catoosa
Rogers County
Oklahoma
U.S.
Typical home value
$178,800 ▼26% below the county
$240,500
$199,800
$332,700
Typical monthly rent
$1,066
$1,047
$1,014
$1,413
Typical yearly household income
$72,467 ▼9% below the county
$80,067
$65,039
$80,734
Households that own their home
61% ▼17 points below the county
78%
66%
65%
Typical yearly property tax
$1,251 ▼31% below the county
$1,806
$1,599
$3,119
Effective property tax rate
0.7% ▼0.05 points below the county
0.75%
0.8%
0.94%
Renters with high rent for their income
34% ▼8 points below the county
42%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Rogers 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 Catoosa
For a typical $178,800 home in Catoosa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Catoosa's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,447a month
Least cash to close
Down payment
$6,258
Cash to close
$11,622
Rate
7.18%
Mortgage insurance
FHA MIP · $79
Conventional, 5% down$1,414a month
Down payment
$8,940
Cash to close
$14,304
Rate
7.18%
Mortgage insurance
PMI · $85
Conventional, 20% down, no PMI$1,148a month
Down payment
$35,760
Cash to close
$41,124
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,313a month
Down payment
$26,820
Cash to close
$32,184
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Catoosa
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,447
$6,258
$175,561
7.18%
FHA MIP · $79
$11,622
580
Conventional, 5% down
$1,414
$8,940
$169,860
7.18%
PMI · $85
$14,304
620*
Conventional, 20% down, no PMI
$1,148
$35,760
$143,040
7.18%
None
$41,124
620*
ITIN, 15% down (example)
$1,313
$26,820
$151,980
8.18%
None
$32,184
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 Catoosa is $1,066 a month: about the same as the county. In Catoosa, 34% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Rogers County, by unit size. To pay the 2-bedroom one ($1,229 a month) without spending more than 30% of your income, you would need to earn $23.63 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 Rogers County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$947
$18.21
$37,880
1 bedroom
$1,007
$19.37
$40,280
2 bedrooms
$1,229
$23.63
$49,160
3 bedrooms
$1,611
$30.98
$64,440
4 bedrooms
$1,882
$36.19
$75,280
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 Catoosa
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Catoosa has 2 ZIP codes with their own.
For 2 bedrooms it runs from $950 in 74116 to $1,280 in 74015.
1 of the 2 is above the fair market rent for Rogers County ($1,229).
Fair market rent by ZIP code and size in Catoosa, fiscal year 2027.
74015
$990
$1,050
$1,280
$1,680
$1,960
74116
$730
$780
$950
$1,250
$1,450
ZIP code2 bd3 bd
74015 $1,280$1,680
74116 $950$1,250
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Catoosa 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)
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 Rogers 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 Catoosa or Rogers County. The ones below are statewide in Oklahoma: they work in Catoosa 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 Catoosa or Rogers 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 Catoosa and all of Rogers 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 Catoosa?
The typical home value in Catoosa is $178,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rogers County it is $240,500.
How much does it cost to rent in Catoosa?
Typical rent in Catoosa is $1,066 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rogers County is $1,229.
What is the FHA loan limit in Catoosa?
Catoosa uses the FHA limit for all of Rogers 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 Catoosa?
The typical homeowner in Catoosa pays $1,251 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Rogers County, the rate is 0.75%.
Where can I find free help to buy or rent in Catoosa?
We found no HUD-approved counseling agencies with an office in Rogers County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
