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City · 12,539 residents · Texas County, Oklahoma

Guymon , Oklahoma

In Guymon, a typical home is worth $182,000 and typical rent is $887 a month. Compared with all of Texas County, the typical home value is 11% higher.

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  • Typical home value

    $182,000

    11% above the county

    9% below Oklahoma

    • Guymon
    • Texas
    • Oklahoma

  • Typical rent

    $887a month

    About the same as the county

    13% below Oklahoma

    • Guymon
    • Texas
    • Oklahoma

  • Typical household income

    $60,075a year

    About the same as the county

    8% below Oklahoma

    • Guymon
    • Texas
    • Oklahoma

  • Households that own their home

    62%

    4 points below the county

    3 points below Oklahoma

    • Guymon
    • Texas
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$176,519
7.6% more than 12 months ago

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

Guymon is in Texas 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 Texas County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Guymon apart

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

  1. Nearby, in Clinton, the typical home value is $119,400: 34% less than in Guymon ($182,000).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Guymon rose 7.6%; in Oklahoma, it rose 2.6%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Guymon

What homes there are in Guymon, 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 is the most common home in Guymon: 65% of homes, near the figure in Texas County (66%).

Year built

By age, homes in Guymon look like those in Texas County: the typical year built is 1976.

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

With a mortgage

$1,413 a month

Texas County: $1,441 a month

Without a mortgage

$489 a month

Texas County: $463 a month

Owners with a mortgage

52%

Texas County: 42%

In Guymon, 52% of owners have a mortgage; their typical cost is $1,413 a month, about the same as in Texas County.

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 Guymon gained value faster than in Texas County: 46% against 42%.

Since 2015–2019, the typical rent in Guymon did not change clearly, according to the Census.

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

MeasureGuymonTexas CountyOklahomaUnited States
Rental vacancy 18.1%18.1%6.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.2%0.9%
More than one person per room Unreliable estimate5.1%2.9%3.4%
People per household 3.182.982.502.53
Drive alone 74%77%77%69%
Carpool 20%16%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate3%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutesUnreliable estimate20 to 29 minutes

In Guymon, the rental vacancy rate is 18.1%, about the same as in Texas County.

On average, a household in Guymon has 3.18 people, more than in Texas County (2.98).

More people carpool to work in Guymon than in Texas County: 20% against 16%.

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 Guymon?

A typical home is tight for the typical income

We start with a typical home in Guymon, worth $182,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Guymon, which is $60,075 a year. For that payment to be 28% of income, a household would need to earn about $62,873 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Guymon. 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 $6,370 (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

$1,467

at 7.18% · 30 years

Loan amount
$178,704
Total interest
$257,112
Paid off in
November 2056

Includes $3,074 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,402 a month

  • Tight

    $1,402 to $1,802 a month

    Your payment · 29%

  • Hard

    more than $1,802 a month

Compared with the typical household income in Guymon ($60,075 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,467
Principal & interest$1,211
Property tax$100
Home insurance$76
FHA mortgage insurance (MIP)$80

You need at least $6,370 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

Guymon and Texas County

Guymon is in Texas 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).

Guymon's own numbers

Typical home value
$182,000
Typical monthly rent
$887
Typical yearly household income
$60,075
Households that own their home
62%
Effective property tax rate
0.66%

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

Numbers for all of Texas County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,079
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
0.7%

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 Texas County.

Everything about Texas County

Buying

Buying a home in Guymon

A typical home in Guymon is worth $182,000: 11% above the county and 9% below Oklahoma. With the typical household income in Guymon ($60,075 a year), a typical home costs 3.0 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.

  • Guymon 3.0 years
  • Texas 2.7 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Texas County

According to FHFA’s house price index, home prices in Texas County rose 64% in the 10 years through 2025.

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

Period County Oklahoma U.S.
Last year (2025) +17.1% +2.6% +2.9%
5 years (2020–2025) +47% +46% +47%
10 years (2015–2025) +64% +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

Guymon next to Texas 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
  • Guymon $182,000
  • Texas $163,500
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Guymon $887
  • Texas $873
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Guymon $60,075
  • Texas $60,069
  • Oklahoma $65,039
  • United States $80,734
See the full table
Guymon next to Texas County and Oklahoma
Measure Guymon Texas County Oklahoma U.S.
Typical home value $182,000 $163,500 $199,800 $332,700
Typical monthly rent $887 $873 $1,014 $1,413
Typical yearly household income $60,075 $60,069 $65,039 $80,734
Households that own their home 62% 66% 66% 65%
Typical yearly property tax $1,193 $1,131 $1,599 $3,119
Effective property tax rate 0.66% 0.69% 0.8% 0.94%
Renters with high rent for their income 40% 42% 46% 51%

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

For a typical $182,000 home in Guymon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Guymon's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,467a month

    Least cash to close
    Down payment
    $6,370
    Cash to close
    $11,830
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $80

  • Conventional, 5% down $1,434a month

    Down payment
    $9,100
    Cash to close
    $14,560
    Rate
    7.18%
    Mortgage insurance
    PMI · $86

  • Conventional, 20% down, no PMI $1,162a month

    Down payment
    $36,400
    Cash to close
    $41,860
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,331a month

    Down payment
    $27,300
    Cash to close
    $32,760
    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 Guymon and for Texas County.

Property tax

Effective rate in Guymon

0.66%of the home’s value each year

$1,193 a year for the typical owner in Guymon.

  • Guymon 0.66%
  • Texas 0.69%
  • 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 Texas County

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

Homes in the high-risk zone
0.7%
49
Of those, with NFIP insurance
18%
County Oklahoma U.S.
Homes in the high-risk zone 0.7% 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 Guymon

Typical rent in Guymon is $887 a month: about the same as the county. In Guymon, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Texas County, by unit size. To pay the 2-bedroom one ($1,079 a month) without spending more than 30% of your income, you would need to earn $20.75 an hour working full time.

HUD fair market rent for all of Texas 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 $836 $16.08 $33,440
1 bedroom $894 $17.19 $35,760
2 bedrooms $1,079 $20.75 $43,160
3 bedrooms $1,286 $24.73 $51,440
4 bedrooms $1,685 $32.40 $67,400

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 Guymon

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Guymon is in ZIP code 73942.

For 2 bedrooms it is $1,110: $31 more than the fair market rent for Texas County ($1,079).

  • 73942 $1,110$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 Guymon 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 Guymon

HUD lists 6 buildings with rents for lower incomes in Guymon. These are the largest.

  • Blue Quail Addition 1315 Knutson St, Guymon 73942 107 low-income homes
  • Whispering Plains Apts 130 NE 24th St, Guymon 73942 60 homes, 59 low-income · 1 bd: 20 · 2 bd: 32 · 3 bd: 8 · In service since 2000
  • Pheasant Creek Apts 909 NW 15th St, Guymon 73942 48 low-income homes · 1 bd: 12 · 2 bd: 36 · In service since 1999
  • Central Plains Village Phase II 601 NE 20th St, Guymon 73942 36 low-income homes
  • Rio Vista Village 1920 Price Blvd, Guymon 73942 40 homes, 24 low-income

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

Free help

Help to buy or rent in Guymon

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Guymon

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

The HUD-approved agencies closest to the center of Guymon, 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 · 235 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 · 237 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (405) 232-0199

  • Chickasaw Nation Division of Housing

    111 Rosedale Rd, Ada · 299 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 Guymon

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 Guymon

HUD lists no housing authority with an office in Texas 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 Guymon, with the typical home value.

Everything about Texas County Housing in Oklahoma

Neighboring counties

If Texas 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 Guymon.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Guymon

Short answers with the numbers for Guymon and all of Texas 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 Guymon?

The typical home value in Guymon is $182,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Texas County it is $163,500.

How much does it cost to rent in Guymon?

Typical rent in Guymon is $887 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Texas County is $1,079.

What is the FHA loan limit in Guymon?

Guymon uses the FHA limit for all of Texas 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 Guymon?

The typical homeowner in Guymon pays $1,193 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in Texas County, the rate is 0.69%.

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

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