In Guthrie, a typical home is worth $186,600 and typical rent is $870 a month. Compared with all of Logan County, typical household income is 36% lower, the typical home value is 24% lower, and the share of households that own their home is 20 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $234,163 to $253,952.
Typical rent
$1,243a month
▲ 5.8% more than 12 months ago
Typical rent from Zillow, March 2025 to September 2026: from $1,157 to $1,243.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Guthrie is in Logan 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 Logan County. See the county
What this place has that others do not, from public data, most unusual first.
1
Guthrie has the largest share of rent-burdened renters of the 70 cities in Oklahoma with more than 5,000 people: 61%.
2
65% of households in Guthrie own their home, against 85% in Logan County.
3
The typical household income in Guthrie is $53,457,36% less than in Logan County as a whole ($83,899).
4
The typical home in Guthrie is worth $186,600,24% less than in Logan County as a whole ($246,700).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Guthrie
What homes there are in Guthrie, 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
Guthrie
Logan County
Oklahoma
United States
Kind of home: Guthrie and its comparisons
Measure
Guthrie
Logan County
Oklahoma
United States
Detached house
80%
80%
73%
61%
Attached house
Unreliable estimate
Unreliable estimate
2%
6%
Building of 2 to 4
7%
2%
5%
8%
Apartments (5 or more)
8%
2%
12%
19%
Mobile home
Unreliable estimate
15%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Logan County, most homes in Guthrie are detached houses (80%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Guthrie
Logan County
Oklahoma
United States
Year built: Guthrie and its comparisons
Measure
Guthrie
Logan County
Oklahoma
United States
Before 1960
40%
16%
21%
26%
1960–1979
30%
22%
28%
24%
1980–1999
16%
21%
24%
25%
2000–2009
5%
19%
13%
14%
2010 or later
10%
22%
13%
11%
In Guthrie, half of the homes were built before 1970; in Logan County, before 1993.
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 $100K20%
$100K–$200K35%
$200K–$300K34%
$300K–$500K10%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Guthrie and its comparisons
Measure
Guthrie
Under $100K
20%
$100K–$200K
35%
$200K–$300K
34%
$300K–$500K
10%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 98% of owner-occupied homes in Guthrie sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50018%
$500–$99949%
$1,000–$1,49931%
HUD fair market rent, 2 bedrooms: $1,264
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Guthrie and its comparisons
Measure
Guthrie
Under $500
18%
$500–$999
49%
$1,000–$1,499
31%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Logan County is $1,264; about 83% of rents in Guthrie are below it.
With a mortgage
$1,397 a month
Logan County: $1,762 a month
Without a mortgage
$511 a month
Logan County: $528 a month
Owners with a mortgage
42%
Logan County: 56%
In Guthrie, 42% of owners have a mortgage, and their typical cost is $1,397 a month, against $1,762 in Logan County. Without one it drops to $511.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Guthrie+49%
Logan County+46%
Oklahoma+46%
United States+53%
Typical rent
GuthrieNo clear change
Logan County+14%
Oklahoma+25%
United States+33%
Typical household income
Guthrie+28%
Logan County+28%
Oklahoma+23%
United States+29%
Change since 2015–2019: Guthrie and its comparisons
Measure
Guthrie
Logan County
Oklahoma
United States
Typical home value
+49%
+46%
+46%
+53%
Typical rent
No clear change
+14%
+25%
+33%
Typical household income
+28%
+28%
+23%
+29%
The typical home value in Guthrie rose 49% since 2015–2019, more than in Logan County (46%).
The typical rent in Guthrie stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Guthrie and its comparisons
Measure
Guthrie
Logan County
Oklahoma
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.2%
0.9%
More than one person per room
Unreliable estimate
2.5%
2.9%
3.4%
People per household
2.57
2.80
2.50
2.53
Drive alone
85%
80%
77%
69%
Carpool
Unreliable estimate
7%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
6%
11%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
Unreliable estimate
20 to 29 minutes
On average, a household in Guthrie has 2.57 people, fewer than in Logan County (2.80).
In Guthrie, 85% of workers drive alone to work; in Logan County, 80%.
Do the math
What would you pay each month for a home in Guthrie?
A typical home is tight for the typical income
We start with a typical home in Guthrie, worth $186,600, 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 Guthrie, which is $53,457 a year. For that payment to be 28% of income, a household would need to earn about $64,395 a year.
The calculator's FHA and conventional loan limits are those of all of Logan 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 Guthrie. 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 $6,531 (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
$1,503
at 7.18% · 30 years
Loan amount
$183,220
Total interest
$263,611
Paid off in
November 2056
Includes $3,151 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,247 a month
Tight
$1,247 to $1,604 a month
Your payment · 34%
Hard
more than $1,604 a month
Compared with the typical household income in Guthrie ($53,457 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,241
Property tax
$101
Home insurance
$78
FHA mortgage insurance (MIP)
$83
You need at least $6,531 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 $1,503; principal and interest $1,241.
The city and its county
Guthrie and Logan County
Guthrie is in Logan 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).
Guthrie
Map of Logan County, Oklahoma, with Guthrie marked. Around it, the neighboring counties.
Guthrie
Logan County
Other cities with a page
Guthrie's own numbers
Typical home value
$186,600
Typical monthly rent
$870
Typical yearly household income
$53,457
Households that own their home
65%
Effective property tax rate
0.65%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Logan 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)
+54%
Homes in a high flood-risk zone
2.2%
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 Logan County.
A typical home in Guthrie is worth $186,600: 24% below the county and 7% below Oklahoma. With the typical household income in Guthrie ($53,457 a year), a typical home costs 3.5 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.
Guthrie3.5 years
Logan2.9 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Logan County
According to FHFA’s house price index, home prices in Logan County rose 83% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Logan County.
Yearly change in FHFA’s price index in Logan County, 2016 to 2025
2016: +3.8% +3.8% 2016
2017: +2.8% +2.8% 2017
2018: +2.1% +2.1% 2018
2019: +2.8% +2.8% 2019
2020: +6.4% +6.4% 2020
2021: +12.0% +12.0% 2021
2022: +15.5% +15.5% 2022
2023: +8.8% +8.8% 2023
2024: −1.4% −1.4% 2024
2025: +11.1% +11.1% 2025
Change in FHFA’s price index in Logan County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+11.1%
+2.6%
+2.9%
5 years (2020–2025)
+54%
+46%
+47%
10 years (2015–2025)
+83%
+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
Guthrie next to Logan 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
Guthrie$186,600
Logan$246,700
Oklahoma$199,800
United States$332,700
Typical monthly rent
Guthrie$870
Logan$891
Oklahoma$1,014
United States$1,413
Typical yearly household income
Guthrie$53,457
Logan$83,899
Oklahoma$65,039
United States$80,734
See the full table
Guthrie next to Logan County and Oklahoma
Measure
Guthrie
Logan County
Oklahoma
U.S.
Typical home value
$186,600 ▼24% below the county
$246,700
$199,800
$332,700
Typical monthly rent
$870 ▼2% below the county
$891
$1,014
$1,413
Typical yearly household income
$53,457 ▼36% below the county
$83,899
$65,039
$80,734
Households that own their home
65% ▼20 points below the county
85%
66%
65%
Typical yearly property tax
$1,210 ▼37% below the county
$1,914
$1,599
$3,119
Effective property tax rate
0.65% ▼0.13 points below the county
0.78%
0.8%
0.94%
Renters with high rent for their income
61% ▲8 points above the county
53%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Logan 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 Guthrie
For a typical $186,600 home in Guthrie, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Guthrie's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,503a month
Least cash to close
Down payment
$6,531
Cash to close
$12,129
Rate
7.18%
Mortgage insurance
FHA MIP · $83
Conventional, 5% down$1,468a month
Down payment
$9,330
Cash to close
$14,928
Rate
7.18%
Mortgage insurance
PMI · $89
Conventional, 20% down, no PMI$1,190a month
Down payment
$37,320
Cash to close
$42,918
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,363a month
Down payment
$27,990
Cash to close
$33,588
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Guthrie
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,503
$6,531
$183,220
7.18%
FHA MIP · $83
$12,129
580
Conventional, 5% down
$1,468
$9,330
$177,270
7.18%
PMI · $89
$14,928
620*
Conventional, 20% down, no PMI
$1,190
$37,320
$149,280
7.18%
None
$42,918
620*
ITIN, 15% down (example)
$1,363
$27,990
$158,610
8.18%
None
$33,588
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 Guthrie is $870 a month: 2% below the county. In Guthrie, 61% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Logan 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Logan County (Fiscal year 2027)
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 Guthrie
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Guthrie is in ZIP code 73044.
For 2 bedrooms it is $1,050: $214 less than the fair market rent for Logan County ($1,264).
Fair market rent by ZIP code and size in Guthrie, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
73044
$800
$860
$1,050
$1,420
$1,600
ZIP code2 bd3 bd
73044 $1,050$1,420
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Guthrie 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)
HUD lists 10 buildings with rents for lower incomes in Guthrie. These are the largest.
Guthrie Housing Authority1 Oak Park, Guthrie 73044167 homes, 159 low-income · Run by Housing Authority of the City of Guthrie · Average payment: $409 a month · Average wait: 9 months · Homes at several sites(405) 282-3246
Pleasant Hill Apts207 E Pleasant Hill Dr, Guthrie 7304460 low-income homes · In service since 2005 · For families
Savannah House of Guthrie510 E Pleasant Hill Dr, Guthrie 7304460 homes, 59 low-income · 1 bd: 10 · 2 bd: 50 · In service since 2008 · For older adults
First Capitol Apartments1720 E College Ave, Guthrie 7304452 low-income homes · For families(405) 282-5077
East Towne Village2000 Woodlawn Ave, Guthrie 7304464 homes, 42 low-income · For families(405) 282-2030
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 Logan 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 Guthrie or Logan County. The ones below are statewide in Oklahoma: they work in Guthrie 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 Guthrie or Logan 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 Guthrie and all of Logan 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 Guthrie?
The typical home value in Guthrie is $186,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Logan County it is $246,700.
How much does it cost to rent in Guthrie?
Typical rent in Guthrie is $870 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Logan County is $1,264.
What is the FHA loan limit in Guthrie?
Guthrie uses the FHA limit for all of Logan 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 Guthrie?
The typical homeowner in Guthrie pays $1,210 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Logan County, the rate is 0.78%.
Where can I find free help to buy or rent in Guthrie?
We found no HUD-approved counseling agencies with an office in Logan County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
