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City · 7,176 residents · Delaware County, Oklahoma

Grove , Oklahoma

In Grove, a typical home is worth $244,300 and typical rent is $925 a month. Compared with all of Delaware County, the typical home value is 39% higher and the share of households that own their home is 11 points lower.

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  • Typical home value

    $244,300

    39% above the county

    22% above Oklahoma

    • Grove
    • Delaware
    • Oklahoma

  • Typical rent

    $925a month

    About the same as the county

    9% below Oklahoma

    • Grove
    • Delaware
    • Oklahoma

  • Typical household income

    $58,941a year

    4% above the county

    9% below Oklahoma

    • Grove
    • Delaware
    • Oklahoma

  • Households that own their home

    66%

    11 points below the county

    1 points above Oklahoma

    • Grove
    • Delaware
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$304,684
2.1% more than 12 months ago

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

Grove is in Delaware 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 Delaware County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Grove apart

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

  1. Nearby, in Vinita, the typical home value is $96,200: 61% less than in Grove ($244,300).

  2. The typical home in Grove is worth $244,300, 39% more than in Delaware County as a whole ($175,300).

  3. 66% of households in Grove own their home, against 77% in Delaware County.

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

The homes here

Housing in Grove

What homes there are in Grove, 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 Grove, 7 in 10 homes are single-family detached houses, about the same as in Delaware County.

Year built

Homes in Grove are newer: the typical year built is 1991; in Delaware County, 1987.

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 limit for Delaware County is high ($541,287): at least 83% of owner-occupied homes in Grove are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,466 a month

Delaware County: $1,279 a month

Without a mortgage

$553 a month

Delaware County: $447 a month

Owners with a mortgage

52%

Delaware County: 40%

The typical cost for an owner with a mortgage in Grove is $1,466 a month, more than in Delaware County ($1,279); without one, $553.

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

Much as in Delaware County, the typical home value in Grove rose 48% since 2015–2019.

The typical rent in Grove rose 38% over the same time; in Delaware County, it rose 33%.

To compare: typical income in Grove rose 41%; the home, +48%; the rent, +38%.

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

MeasureGroveDelaware CountyOklahomaUnited States
Rental vacancy Unreliable estimate4.7%6.5%5.5%
Homeowner vacancy Unreliable estimate2.1%1.2%0.9%
More than one person per room Unreliable estimate3.8%2.9%3.4%
People per household 2.162.372.502.53
Drive alone 80%76%77%69%
Carpool Unreliable estimate11%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 11%9%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes20 to 29 minutesUnreliable estimate20 to 29 minutes

Fewer people live in each home here: 2.16 on average, against 2.37 in Delaware County.

The car rules in Grove: 80% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Grove?

A typical home costs more than the typical income allows

We start with a typical home in Grove, worth $244,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Grove, which is $58,941 a year. For that payment to be 28% of income, a household would need to earn about $85,180 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Grove. 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 $8,551 (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

$1,988

at 7.18% · 30 years

Loan amount
$239,875
Total interest
$345,123
Paid off in
November 2056

Includes $4,126 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,375 a month

  • Tight

    $1,375 to $1,768 a month

  • Hard

    more than $1,768 a month

    Your payment · 40%

Compared with the typical household income in Grove ($58,941 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,988
Principal & interest$1,625
Property tax$153
Home insurance$102
FHA mortgage insurance (MIP)$108

You need at least $8,551 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

Grove and Delaware County

Grove is in Delaware 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).

Grove's own numbers

Typical home value
$244,300
Typical monthly rent
$925
Typical yearly household income
$58,941
Households that own their home
66%
Effective property tax rate
0.75%

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

Numbers for all of Delaware County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$980
Price change over 5 years (FHFA)
+70%
Homes in a high flood-risk zone
3.6%

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 Delaware County.

Everything about Delaware County

Buying

Buying a home in Grove

A typical home in Grove is worth $244,300: 39% above the county and 22% above Oklahoma. With the typical household income in Grove ($58,941 a year), a typical home costs 4.1 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.

  • Grove 4.1 years
  • Delaware 3.1 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Delaware County

According to FHFA’s house price index, home prices in Delaware County rose 97% in the 10 years through 2025.

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

Period County Oklahoma U.S.
Last year (2025) +5.4% +2.6% +2.9%
5 years (2020–2025) +70% +46% +47%
10 years (2015–2025) +97% +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

Grove next to Delaware 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
  • Grove $244,300
  • Delaware $175,300
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Grove $925
  • Delaware $913
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Grove $58,941
  • Delaware $56,676
  • Oklahoma $65,039
  • United States $80,734
See the full table
Grove next to Delaware County and Oklahoma
Measure Grove Delaware County Oklahoma U.S.
Typical home value $244,300 $175,300 $199,800 $332,700
Typical monthly rent $925 $913 $1,014 $1,413
Typical yearly household income $58,941 $56,676 $65,039 $80,734
Households that own their home 66% 77% 66% 65%
Typical yearly property tax $1,835 $1,051 $1,599 $3,119
Effective property tax rate 0.75% 0.6% 0.8% 0.94%
Renters with high rent for their income 45% 45% 46% 51%

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

For a typical $244,300 home in Grove, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Grove's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,988a month

    Least cash to close
    Down payment
    $8,551
    Cash to close
    $15,880
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $108

  • Conventional, 5% down $1,943a month

    Down payment
    $12,215
    Cash to close
    $19,544
    Rate
    7.18%
    Mortgage insurance
    PMI · $116

  • Conventional, 20% down, no PMI $1,578a month

    Down payment
    $48,860
    Cash to close
    $56,189
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,804a month

    Down payment
    $36,645
    Cash to close
    $43,974
    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 Grove and for Delaware County.

Property tax

Effective rate in Grove

0.75%of the home’s value each year

$1,835 a year for the typical owner in Grove.

  • Grove 0.75%
  • Delaware 0.6%
  • 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 Delaware County

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

Homes in the high-risk zone
3.6%
821
Of those, with NFIP insurance
8.9%
County Oklahoma U.S.
Homes in the high-risk zone 3.6% 2.2% 3.5%
Of those, with NFIP insurance 8.9% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Grove

Typical rent in Grove is $925 a month: about the same as the county. In Grove, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Delaware County, by unit size. To pay the 2-bedroom one ($980 a month) without spending more than 30% of your income, you would need to earn $18.85 an hour working full time.

HUD fair market rent for all of Delaware 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 $772 $14.85 $30,880
1 bedroom $777 $14.94 $31,080
2 bedrooms $980 $18.85 $39,200
3 bedrooms $1,266 $24.35 $50,640
4 bedrooms $1,321 $25.40 $52,840

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 Grove

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Grove is in ZIP code 74344.

For 2 bedrooms it is $1,020: $40 more than the fair market rent for Delaware County ($980).

  • 74344 $1,020$1,320

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

HUD lists 4 buildings with rents for lower incomes in Grove. These are the largest.

  • Garden Walk of Grove 400 Mill Creek Dr, Grove 74344 100 low-income homes · 1 bd: 30 · 2 bd: 44 · 3 bd: 24 · 4 bd: 2 · In service since 2016
  • Grove Village Apts 505 N 36th St, Grove 74344 48 low-income homes · 1 bd: 24 · 2 bd: 24 · In service since 1999
  • Mill Creek Apts III 400 Mill Creek Dr, Grove 74344 42 low-income homes
  • Grove Senior Housing 105 N Mill St, Grove 74344 21 low-income homes · For older adults (918) 786-4357

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

Free help

Help to buy or rent in Grove

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

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Grove

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

The HUD-approved agencies closest to the center of Grove, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Tulsa Habitat for Humanity

    6235 E 13th St, Tulsa · 69 miles away

    • Budget and credit workshops
    • Workshops for new owners
    • and 2 more
    918-592-4224x107

  • Quickcert, Inc.

    7122 S Sheridan Rd Ste 2, Tulsa · 72 miles away · Spanish

    • Pre-purchase counseling
    • Rental counseling
    • and 1 more
    (888) 383-8885

  • Chickasaw Nation Division of Housing

    111 Rosedale Rd, Ada · 163 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 Grove

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 Grove

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

All housing agencies in Oklahoma Source: HUD

Cities

Nearby cities

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

Everything about Delaware County Housing in Oklahoma

Neighboring counties

If Delaware 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 Grove.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Grove

Short answers with the numbers for Grove and all of Delaware 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 Grove?

The typical home value in Grove is $244,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Delaware County it is $175,300.

How much does it cost to rent in Grove?

Typical rent in Grove is $925 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Delaware County is $980.

What is the FHA loan limit in Grove?

Grove uses the FHA limit for all of Delaware 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 Grove?

The typical homeowner in Grove pays $1,835 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Delaware County, the rate is 0.6%.

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

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