City · 50,653 residents · Garfield County, Oklahoma
Enid, Oklahoma
In Enid, a typical home is worth $154,900 and typical rent is $914 a month. Compared with all of Garfield County, typical household income is 6% lower.
Typical home value from Zillow, September 2021 to September 2026: from $111,508 to $135,534.
Typical rent
$1,122a month
▲ 2% more than 12 months ago
Typical rent from Zillow, June 2022 to September 2026: from $970 to $1,122.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Enid is in Garfield 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 Garfield County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Blackwell, the typical home value is $85,600: 45% less than in Enid ($154,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Enid
What homes there are in Enid, 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
Enid
Garfield County
Oklahoma
United States
Kind of home: Enid and its comparisons
Measure
Enid
Garfield County
Oklahoma
United States
Detached house
79%
80%
73%
61%
Attached house
2%
2%
2%
6%
Building of 2 to 4
7%
6%
5%
8%
Apartments (5 or more)
9%
8%
12%
19%
Mobile home
2%
4%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Enid: 79% of homes, near the figure in Garfield County (80%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Enid
Garfield County
Oklahoma
United States
Year built: Enid and its comparisons
Measure
Enid
Garfield County
Oklahoma
United States
Before 1960
37%
36%
21%
26%
1960–1979
32%
32%
28%
24%
1980–1999
21%
21%
24%
25%
2000–2009
4%
5%
13%
14%
2010 or later
6%
7%
13%
11%
The typical year built in Enid is 1969, about the same as in Garfield County (1970).
Homes in Enid are smaller: 59% have 3 bedrooms or more; in Garfield County, 63%.
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 $100K29%
$100K–$200K39%
$200K–$300K18%
$300K–$500K11%
$500K–$750K2%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Enid and its comparisons
Measure
Enid
Under $100K
29%
$100K–$200K
39%
$200K–$300K
18%
$300K–$500K
11%
$500K–$750K
2%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Garfield County is $541,287, and about 97% of owner-occupied homes in Enid are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5006%
$500–$99957%
HUD fair market rent, 2 bedrooms: $997
$1,000–$1,49925%
$1,500–$1,9996%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Enid and its comparisons
Measure
Enid
Under $500
6%
$500–$999
57%
$1,000–$1,499
25%
$1,500–$1,999
6%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 62% of rented homes in Enid cost less than HUD's 2-bedroom fair market rent for Garfield County ($997); the rest cost more.
With a mortgage
$1,355 a month
Garfield County: $1,392 a month
Without a mortgage
$513 a month
Garfield County: $514 a month
Owners with a mortgage
52%
Garfield County: 52%
In Enid, 52% of owners have a mortgage; their typical cost is $1,355 a month, about the same as in Garfield County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Enid+43%
Garfield County+42%
Oklahoma+46%
United States+53%
Typical rent
Enid+6%
Garfield County+7%
Oklahoma+25%
United States+33%
Typical household income
Enid+20%
Garfield County+23%
Oklahoma+23%
United States+29%
Change since 2015–2019: Enid and its comparisons
Measure
Enid
Garfield County
Oklahoma
United States
Typical home value
+43%
+42%
+46%
+53%
Typical rent
+6%
+7%
+25%
+33%
Typical household income
+20%
+23%
+23%
+29%
The typical home value in Enid rose 43% since 2015–2019, about the same as in Garfield County (42%).
Much as in Garfield County, the typical rent in Enid rose 6% since 2015–2019.
While home values in Enid changed +43% and rent +6%, the typical household income rose 20%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Enid and its comparisons
Measure
Enid
Garfield County
Oklahoma
United States
Rental vacancy
8.2%
8.0%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
1.3%
1.2%
0.9%
More than one person per room
3.6%
3.2%
2.9%
3.4%
People per household
2.48
2.53
2.50
2.53
Drive alone
79%
79%
77%
69%
Carpool
14%
14%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
2%
2%
2%
3%
Work from home
4%
5%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
In Enid, the rental vacancy rate is 8.2%, about the same as in Garfield County.
Much as in Garfield County, 3.6% of households in Enid have more than one person per room.
Much as in Garfield County, a household in Enid has 2.48 people on average.
In Enid, 79% of workers drive alone to work; in Garfield County, 79%.
Do the math
What would you pay each month for a home in Enid?
A typical home is within reach of the typical income
We start with a typical home in Enid, worth $154,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Enid, which is $62,125 a year.
The calculator's FHA and conventional loan limits are those of all of Garfield 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 Enid. 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 $5,422 (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
$1,285
at 7.18% · 30 years
Loan amount
$152,094
Total interest
$218,827
Paid off in
November 2056
Includes $2,616 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,450 a month
Your payment · 25%
Tight
$1,450 to $1,864 a month
Hard
more than $1,864 a month
Compared with the typical household income in Enid ($62,125 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,030
Property tax
$121
Home insurance
$65
FHA mortgage insurance (MIP)
$69
You need at least $5,422 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 $1,285; principal and interest $1,030.
The city and its county
Enid and Garfield County
Enid is in Garfield 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).
Enid
Map of Garfield County, Oklahoma, with Enid marked. Around it, the neighboring counties.
Enid
Garfield County
Enid's own numbers
Typical home value
$154,900
Typical monthly rent
$914
Typical yearly household income
$62,125
Households that own their home
61%
Effective property tax rate
0.94%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Garfield County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$997
Price change over 5 years (FHFA)
+27%
Homes in a high flood-risk zone
2.7%
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 Garfield County.
A typical home in Enid is worth $154,900: 3% below the county and 22% below Oklahoma. With the typical household income in Enid ($62,125 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.
Enid2.5 years
Garfield2.4 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Garfield County
According to FHFA’s house price index, home prices in Garfield County rose 36% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Garfield County.
Yearly change in FHFA’s price index in Garfield County, 2016 to 2025
2016: +1.9% +1.9% 2016
2017: −1.6% −1.6% 2017
2018: +2.7% +2.7% 2018
2019: −0.1% −0.1% 2019
2020: +4.2% +4.2% 2020
2021: +6.1% +6.1% 2021
2022: +6.0% +6.0% 2022
2023: +5.7% +5.7% 2023
2024: +4.3% +4.3% 2024
2025: +2.7% +2.7% 2025
Change in FHFA’s price index in Garfield County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+2.7%
+2.6%
+2.9%
5 years (2020–2025)
+27%
+46%
+47%
10 years (2015–2025)
+36%
+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
Enid next to Garfield 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
Enid$154,900
Garfield$160,100
Oklahoma$199,800
United States$332,700
Typical monthly rent
Enid$914
Garfield$919
Oklahoma$1,014
United States$1,413
Typical yearly household income
Enid$62,125
Garfield$66,182
Oklahoma$65,039
United States$80,734
See the full table
Enid next to Garfield County and Oklahoma
Measure
Enid
Garfield County
Oklahoma
U.S.
Typical home value
$154,900 ▼3% below the county
$160,100
$199,800
$332,700
Typical monthly rent
$914
$919
$1,014
$1,413
Typical yearly household income
$62,125 ▼6% below the county
$66,182
$65,039
$80,734
Households that own their home
61% ▼5 points below the county
66%
66%
65%
Typical yearly property tax
$1,455 ▲5% above the county
$1,389
$1,599
$3,119
Effective property tax rate
0.94% ▲0.07 points above the county
0.87%
0.8%
0.94%
Renters with high rent for their income
44% ▲2 points above 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 Garfield 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 Enid
For a typical $154,900 home in Enid, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Enid's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,285a month
Least cash to close
Down payment
$5,422
Cash to close
$10,069
Rate
7.18%
Mortgage insurance
FHA MIP · $69
Conventional, 5% down$1,256a month
Down payment
$7,745
Cash to close
$12,392
Rate
7.18%
Mortgage insurance
PMI · $74
Conventional, 20% down, no PMI$1,025a month
Down payment
$30,980
Cash to close
$35,627
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,169a month
Down payment
$23,235
Cash to close
$27,882
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Enid
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,285
$5,422
$152,094
7.18%
FHA MIP · $69
$10,069
580
Conventional, 5% down
$1,256
$7,745
$147,155
7.18%
PMI · $74
$12,392
620*
Conventional, 20% down, no PMI
$1,025
$30,980
$123,920
7.18%
None
$35,627
620*
ITIN, 15% down (example)
$1,169
$23,235
$131,665
8.18%
None
$27,882
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 Enid is $914 a month: about the same as the county. In Enid, 44% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Garfield County, by unit size. To pay the 2-bedroom one ($997 a month) without spending more than 30% of your income, you would need to earn $19.17 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 Garfield County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$707
$13.60
$28,280
1 bedroom
$818
$15.73
$32,720
2 bedrooms
$997
$19.17
$39,880
3 bedrooms
$1,305
$25.10
$52,200
4 bedrooms
$1,310
$25.19
$52,400
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 Enid
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Enid has 3 ZIP codes with their own.
For 2 bedrooms it runs from $930 in 73701 to $1,080 in 73703.
2 of the 3 are above the fair market rent for Garfield County ($997).
2-bedroom fair market rent in each of the 3 ZIP codes of Enid, beside the one for Garfield County. For 2 bedrooms it runs from $930 in 73701 to $1,080 in 73703. 2 of the 3 are above the fair market rent for Garfield County ($997).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $997
Lowest: $930 (73701)Highest: $1,080 (73703)
Fair market rent by ZIP code and size in Enid, fiscal year 2027.
73701
$710
$750
$930
$1,210
$1,230
73703
$780
$890
$1,080
$1,410
$1,420
73705
$760
$880
$1,070
$1,390
$1,400
ZIP code2 bd3 bd
73701 $930$1,210
73703 $1,080$1,410
73705 $1,070$1,390
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Enid 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 Garfield 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 Enid or Garfield County. The ones below are statewide in Oklahoma: they work in Enid 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 Enid or Garfield 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 Enid and all of Garfield 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 Enid?
The typical home value in Enid is $154,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Garfield County it is $160,100.
How much does it cost to rent in Enid?
Typical rent in Enid is $914 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Garfield County is $997.
What is the FHA loan limit in Enid?
Enid uses the FHA limit for all of Garfield 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 Enid?
The typical homeowner in Enid pays $1,455 a year, according to the U.S. Census Bureau. That is 0.94% of the home’s value; in Garfield County, the rate is 0.87%.
Where can I find free help to buy or rent in Enid?
We found no HUD-approved counseling agencies with an office in Garfield County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
