Español

Este sitio también está en español. Leer en español

City · 96,825 residents · Oklahoma County, Oklahoma

Edmond , Oklahoma

In Edmond, a typical home is worth $351,400 and typical rent is $1,344 a month. Compared with all of Oklahoma County, the typical home value is 58% higher, typical household income is 55% higher, and the share of households that own their home is 12 points higher.

WhatsApp

  • Typical home value

    $351,400

    58% above the county

    76% above Oklahoma

    • Edmond
    • Oklahoma
    • Oklahoma

  • Typical rent

    $1,344a month

    20% above the county

    33% above Oklahoma

    • Edmond
    • Oklahoma
    • Oklahoma

  • Typical household income

    $103,183a year

    55% above the county

    59% above Oklahoma

    • Edmond
    • Oklahoma
    • Oklahoma

  • Households that own their home

    70%

    12 points above the county

    4 points above Oklahoma

    • Edmond
    • Oklahoma
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$354,038
0.7% more than 12 months ago
Typical rent
$1,642 a month
1.9% more than 12 months ago

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

Edmond 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 Edmond apart

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

  1. Edmond has the highest typical home value of the 75 cities in Oklahoma with more than 5,000 people: $351,400.

  2. Nearby, in Midwest City, the typical home value is $164,500: 53% less than in Edmond ($351,400).

  3. The typical household income in Edmond is $103,183, 55% more than in Oklahoma County as a whole ($66,679).

  4. Nearby, in Guthrie, the typical rent is $870: 35% less than in Edmond ($1,344).

  5. The typical rent in Edmond is $1,344 a month, 20% more than in Oklahoma County as a whole ($1,116).

  6. 70% of households in Edmond own their home, against 58% in Oklahoma County.

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

The homes here

Housing in Edmond

What homes there are in Edmond, 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 Edmond, 8 in 10 homes are single-family detached houses; in Oklahoma County, 7.

Year built

Homes in Edmond are newer: the typical year built is 1993; in Oklahoma County, 1978.

There is more room for a big family here: 78% of homes have 3 bedrooms or more, against 61% 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

The FHA loan limit for Oklahoma County is $541,287, and about 77% of owner-occupied homes in Edmond are worth less than that.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Oklahoma County is $1,264: about 45% of rents in Edmond are below it.

With a mortgage

$2,235 a month

Oklahoma County: $1,678 a month

Without a mortgage

$866 a month

Oklahoma County: $601 a month

Owners with a mortgage

67%

Oklahoma County: 59%

The typical cost for an owner with a mortgage in Edmond is $2,235 a month, more than in Oklahoma County ($1,678); without one, $866.

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 Edmond rose at about the same pace as in Oklahoma County: 46% against 45%.

Rents in Edmond rose at about the same pace as in Oklahoma County: 28% since 2015–2019, against 28%.

To compare: typical income in Edmond rose 27%; the home, +46%; the rent, +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

MeasureEdmondOklahoma CountyOklahomaUnited States
Rental vacancy 5.8%7.6%6.5%5.5%
Homeowner vacancy Unreliable estimate1.0%1.2%0.9%
More than one person per room 1.8%2.8%2.9%3.4%
People per household 2.532.412.502.53
Drive alone 77%76%77%69%
Carpool 7%10%10%9%
Public transit Unreliable estimate0%0%3%
Walk or bike 2%2%2%3%
Work from home 14%11%9%15%
Other means 1%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutesUnreliable estimate20 to 29 minutes

In Edmond, the rental vacancy rate is 5.8%; in Oklahoma County, 7.6%.

In Edmond, 1.8% of households live with more than one person per room, against 2.8% in Oklahoma County.

A household in Edmond has 2.53 people on average, about the same as in Oklahoma County (2.41).

To get to work, 77% of workers in Edmond drive alone; 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 Edmond?

A typical home is tight for the typical income

We start with a typical home in Edmond, worth $351,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Edmond, which is $103,183 a year. For that payment to be 28% of income, a household would need to earn about $124,781 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 Edmond. 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 $12,299 (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

$2,912

at 7.18% · 30 years

Loan amount
$345,035
Total interest
$496,425
Paid off in
November 2056

Includes $5,934 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,408 a month

  • Tight

    $2,408 to $3,095 a month

    Your payment · 34%

  • Hard

    more than $3,095 a month

Compared with the typical household income in Edmond ($103,183 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,912
Principal & interest$2,337
Property tax$272
Home insurance$146
FHA mortgage insurance (MIP)$155

You need at least $12,299 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

Edmond and Oklahoma County

Edmond 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).

Edmond's own numbers

Typical home value
$351,400
Typical monthly rent
$1,344
Typical yearly household income
$103,183
Households that own their home
70%
Effective property tax rate
0.93%

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 Edmond

A typical home in Edmond is worth $351,400: 58% above the county and 76% above Oklahoma. With the typical household income in Edmond ($103,183 a year), a typical home costs 3.4 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.

  • Edmond 3.4 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

Edmond 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
  • Edmond $351,400
  • Oklahoma $222,900
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Edmond $1,344
  • Oklahoma $1,116
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Edmond $103,183
  • Oklahoma $66,679
  • Oklahoma $65,039
  • United States $80,734
See the full table
Edmond next to Oklahoma County and Oklahoma
Measure Edmond Oklahoma County Oklahoma U.S.
Typical home value $351,400 $222,900 $199,800 $332,700
Typical monthly rent $1,344 $1,116 $1,014 $1,413
Typical yearly household income $103,183 $66,679 $65,039 $80,734
Households that own their home 70% 58% 66% 65%
Typical yearly property tax $3,261 $2,155 $1,599 $3,119
Effective property tax rate 0.93% 0.97% 0.8% 0.94%
Renters with high rent for their income 52% 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 Edmond

For a typical $351,400 home in Edmond, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Edmond's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,912a month

    Least cash to close
    Down payment
    $12,299
    Cash to close
    $22,841
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $155

  • Conventional, 5% down $2,847a month

    Down payment
    $17,570
    Cash to close
    $28,112
    Rate
    7.18%
    Mortgage insurance
    PMI · $167

  • Conventional, 20% down, no PMI $2,323a month

    Down payment
    $70,280
    Cash to close
    $80,822
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,648a month

    Down payment
    $52,710
    Cash to close
    $63,252
    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 Edmond and for Oklahoma County.

Property tax

Effective rate in Edmond

0.93%of the home’s value each year

$3,261 a year for the typical owner in Edmond.

  • Edmond 0.93%
  • 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 Edmond

Typical rent in Edmond is $1,344 a month: 20% above the county. In Edmond, 52% 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 Edmond

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Edmond has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,090 in 73007 to $1,590 in 73003.

2 of the 3 are above the fair market rent for Oklahoma County ($1,264).

  • 73003 $1,590$2,160
  • 73007 $1,090$1,480
  • 73034 $1,370$1,860

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Edmond 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 Edmond

HUD lists 11 buildings with rents for lower incomes in Edmond. These are the largest.

  • Rolling Green Apts 400 E Danforth Rd, Edmond 73034 166 low-income homes · For families (405) 348-0400
  • Rosewood Manor Residence 800 S Kelly Ave, Edmond 73003 148 low-income homes · 1 bd: 148 · In service since 1995
  • Oklahoma Christian Apartments 325 Enz Dr, Edmond 73034 125 low-income homes · 1 bd: 119 · 2 bd: 6 · In service since 2016 · For older adults (405) 340-0311
  • Milton Terrace 1201 N Fretz Ave, Edmond 73003 112 low-income homes · In service since 1992
  • Crownridge Apts 2500 Thomas Dr, Edmond 73003 160 homes, 96 low-income · In service since 2004 · For families

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

Free help

Help to buy or rent in Edmond

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Edmond

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

The HUD-approved agencies closest to the center of Edmond, 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 · 13 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 · 17 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 Edmond

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 Edmond

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

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Edmond

Short answers with the numbers for Edmond 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 Edmond?

The typical home value in Edmond is $351,400, 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 Edmond?

Typical rent in Edmond is $1,344 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 Edmond?

Edmond 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 Edmond?

The typical homeowner in Edmond pays $3,261 a year, according to the U.S. Census Bureau. That is 0.93% of the home’s value; in Oklahoma County, the rate is 0.97%.

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

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).