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City · 21,494 residents · Oklahoma County, Oklahoma

Del City , Oklahoma

In Del City, a typical home is worth $126,800 and typical rent is $1,054 a month. Compared with all of Oklahoma County, the typical home value is 43% lower and typical household income is 30% lower.

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  • Typical home value

    $126,800

    43% below the county

    37% below Oklahoma

    • Del City
    • Oklahoma
    • Oklahoma

  • Typical rent

    $1,054a month

    6% below the county

    4% above Oklahoma

    • Del City
    • Oklahoma
    • Oklahoma

  • Typical household income

    $46,925a year

    30% below the county

    28% below Oklahoma

    • Del City
    • Oklahoma
    • Oklahoma

  • Households that own their home

    56%

    2 points below the county

    10 points below Oklahoma

    • Del City
    • Oklahoma
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$137,868
about the same as 12 months ago
Typical rent
$1,206 a month
3.9% more than 12 months ago

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

Del City 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 Del City apart

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

  1. The typical home in Del City is worth $126,800, 43% less than in Oklahoma County as a whole ($222,900).

  2. The typical household income in Del City is $46,925, 30% less than in Oklahoma County as a whole ($66,679).

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

The homes here

Housing in Del City

What homes there are in Del City, 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 rules in Del City: 81% of homes, more than in Oklahoma County (69%).

Year built

The typical home in Del City was built in 1964, 14 years before the typical one in Oklahoma County.

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

About 69% of rented homes in Del City cost less than HUD's 2-bedroom fair market rent for Oklahoma County ($1,264).

With a mortgage

$1,163 a month

Oklahoma County: $1,678 a month

Without a mortgage

$447 a month

Oklahoma County: $601 a month

Owners with a mortgage

57%

Oklahoma County: 59%

The typical cost for an owner with a mortgage in Del City is $1,163 a month, less than in Oklahoma County ($1,678); without one, $447.

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

Since 2015–2019, homes in Del City gained value faster than in Oklahoma County: 51% against 45%.

Since 2015–2019, the typical rent in Del City rose 23%, less than in Oklahoma County (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

MeasureDel CityOklahoma CountyOklahomaUnited States
Rental vacancy Unreliable estimate7.6%6.5%5.5%
Homeowner vacancy Unreliable estimate1.0%1.2%0.9%
More than one person per room 4.0%2.8%2.9%3.4%
People per household 2.432.412.502.53
Drive alone 75%76%77%69%
Carpool 11%10%10%9%
Public transit Unreliable estimate0%0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 9%11%9%15%
Other means 2%1%1%2%
Typical commute Unreliable estimate20 to 29 minutesUnreliable estimate20 to 29 minutes

More than one person per room: that is how 4.0% of households in Del City live, more than in Oklahoma County (2.8%).

A household in Del City has 2.43 people on average, about the same as in Oklahoma County (2.41).

In Del City, 75% of workers drive alone to work; in Oklahoma County, 76%.

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 Del City?

A typical home is within reach of the typical income

We start with a typical home in Del City, worth $126,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Del City, which is $46,925 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 Del City. 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 $4,438 (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

$1,045

at 7.18% · 30 years

Loan amount
$124,503
Total interest
$179,131
Paid off in
November 2056

Includes $2,141 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,095 a month

    Your payment · 27%

  • Tight

    $1,095 to $1,408 a month

  • Hard

    more than $1,408 a month

Compared with the typical household income in Del City ($46,925 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,045
Principal & interest$843
Property tax$93
Home insurance$53
FHA mortgage insurance (MIP)$56

You need at least $4,438 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

Del City and Oklahoma County

Del City 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).

Del City's own numbers

Typical home value
$126,800
Typical monthly rent
$1,054
Typical yearly household income
$46,925
Households that own their home
56%
Effective property tax rate
0.88%

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 Del City

A typical home in Del City is worth $126,800: 43% below the county and 37% below Oklahoma. With the typical household income in Del City ($46,925 a year), a typical home costs 2.7 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.

  • Del City 2.7 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

Del City 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
  • Del City $126,800
  • Oklahoma $222,900
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Del City $1,054
  • Oklahoma $1,116
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Del City $46,925
  • Oklahoma $66,679
  • Oklahoma $65,039
  • United States $80,734
See the full table
Del City next to Oklahoma County and Oklahoma
Measure Del City Oklahoma County Oklahoma U.S.
Typical home value $126,800 $222,900 $199,800 $332,700
Typical monthly rent $1,054 $1,116 $1,014 $1,413
Typical yearly household income $46,925 $66,679 $65,039 $80,734
Households that own their home 56% 58% 66% 65%
Typical yearly property tax $1,120 $2,155 $1,599 $3,119
Effective property tax rate 0.88% 0.97% 0.8% 0.94%
Renters with high rent for their income 51% 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 Del City

For a typical $126,800 home in Del City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Del City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,045a month

    Least cash to close
    Down payment
    $4,438
    Cash to close
    $8,242
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $56

  • Conventional, 5% down $1,022a month

    Down payment
    $6,340
    Cash to close
    $10,144
    Rate
    7.18%
    Mortgage insurance
    PMI · $60

  • Conventional, 20% down, no PMI $833a month

    Down payment
    $25,360
    Cash to close
    $29,164
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $950a month

    Down payment
    $19,020
    Cash to close
    $22,824
    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 Del City and for Oklahoma County.

Property tax

Effective rate in Del City

0.88%of the home’s value each year

$1,120 a year for the typical owner in Del City.

  • Del City 0.88%
  • 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 Del City

Typical rent in Del City is $1,054 a month: 6% below the county. In Del City, 51% 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 Del City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Del City has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,140 in 73115 to $1,160 in 73117.

None is above the fair market rent for Oklahoma County ($1,264).

  • 73115 $1,140$1,550
  • 73117 $1,160$1,570

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

HUD lists 3 buildings with rents for lower incomes in Del City. These are the largest.

  • Oakridge Village 3344 S Bryant Ave, Del City 73115 200 homes, 192 low-income · For families (405) 670-2607
  • Orval Ray Tower 4613 Tinker Diagonal, Del City 73115 100 homes, 99 low-income · Run by Housing Authority of the City of Del City · Average payment: $376 a month · Average wait: 7 months (405) 672-1412
  • Berrywood Terrace 4301 S Bryant Ave, Del City 73115 40 low-income homes · For people with disabilities (405) 670-1607

See all 103 buildings in Oklahoma County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Del City

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 smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Del City

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

The HUD-approved agencies closest to the center of Del City, 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 · 4 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 · 7 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 · 62 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 Del City

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 Del City

HUD’s record names them for Del City or Oklahoma County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Del City Public housing (405) 672-1412

2 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 Del City, 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 Del City.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Del City

Short answers with the numbers for Del City 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 Del City?

The typical home value in Del City is $126,800, 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 Del City?

Typical rent in Del City is $1,054 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 Del City?

Del City 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 Del City?

The typical homeowner in Del City pays $1,120 a year, according to the U.S. Census Bureau. That is 0.88% of the home’s value; in Oklahoma County, the rate is 0.97%.

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

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).