City · 6,684 residents · Oklahoma County, Oklahoma
Harrah, Oklahoma
In Harrah, a typical home is worth $225,400 and typical rent is $939 a month. Compared with all of Oklahoma County, typical household income is 27% higher, typical rent is 16% lower, and the share of households that own their home is 17 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $192,852 to $241,046.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Harrah 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Del City, the typical home value is $126,800: 44% less than in Harrah ($225,400).
2
75% of households in Harrah own their home, against 58% in Oklahoma County.
3
The typical household income in Harrah is $84,375,27% more than in Oklahoma County as a whole ($66,679).
4
The typical rent in Harrah is $939 a month, 16% less than in Oklahoma County as a whole ($1,116).
5
Harrah has the 7th smallest share of rent-burdened renters of the 70 cities in Oklahoma with more than 5,000 people (37%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Harrah
What homes there are in Harrah, 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
Harrah
Oklahoma County
Oklahoma
United States
Kind of home: Harrah and its comparisons
Measure
Harrah
Oklahoma County
Oklahoma
United States
Detached house
77%
69%
73%
61%
Attached house
Unreliable estimate
4%
2%
6%
Building of 2 to 4
7%
6%
5%
8%
Apartments (5 or more)
Unreliable estimate
19%
12%
19%
Mobile home
Unreliable estimate
3%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Harrah, 8 in 10 homes are single-family detached houses; in Oklahoma County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Harrah
Oklahoma County
Oklahoma
United States
Year built: Harrah and its comparisons
Measure
Harrah
Oklahoma County
Oklahoma
United States
Before 1960
9%
24%
21%
26%
1960–1979
27%
30%
28%
24%
1980–1999
29%
22%
24%
25%
2000–2009
9%
12%
13%
14%
2010 or later
25%
13%
13%
11%
The typical home in Harrah was built in 1989, 11 years after the typical one in Oklahoma County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K31%
$200K–$300K39%
$300K–$500K17%
$500K–$750K8%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Harrah and its comparisons
Measure
Harrah
Under $100K
Unreliable estimate
$100K–$200K
31%
$200K–$300K
39%
$300K–$500K
17%
$500K–$750K
8%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99947%
$1,000–$1,49928%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Harrah and its comparisons
Measure
Harrah
Under $500
Unreliable estimate
$500–$999
47%
$1,000–$1,499
28%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,672 a month
Oklahoma County: $1,678 a month
Without a mortgage
$638 a month
Oklahoma County: $601 a month
Owners with a mortgage
61%
Oklahoma County: 59%
In Harrah, 61% of owners have a mortgage; their typical cost is $1,672 a month, about the same as in Oklahoma County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Harrah+48%
Oklahoma County+45%
Oklahoma+46%
United States+53%
Typical rent
HarrahNo clear change
Oklahoma County+28%
Oklahoma+25%
United States+33%
Typical household income
Harrah+42%
Oklahoma County+22%
Oklahoma+23%
United States+29%
Change since 2015–2019: Harrah and its comparisons
Measure
Harrah
Oklahoma County
Oklahoma
United States
Typical home value
+48%
+45%
+46%
+53%
Typical rent
No clear change
+28%
+25%
+33%
Typical household income
+42%
+22%
+23%
+29%
From 2015–2019 to 2020–2024, home values in Harrah rose at about the same pace as in Oklahoma County: 48% against 45%.
The typical rent in Harrah 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: Harrah and its comparisons
Measure
Harrah
Oklahoma County
Oklahoma
United States
Rental vacancy
Unreliable estimate
7.6%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
1.2%
0.9%
More than one person per room
Unreliable estimate
2.8%
2.9%
3.4%
People per household
2.68
2.41
2.50
2.53
Drive alone
79%
76%
77%
69%
Carpool
10%
10%
10%
9%
Public transit
Unreliable estimate
0%
0%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
9%
11%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
30 to 39 minutes
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
Households in Harrah are bigger: 2.68 people on average; in Oklahoma County, 2.41.
The car rules in Harrah: 79% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.
Do the math
What would you pay each month for a home in Harrah?
A typical home is within reach of the typical income
We start with a typical home in Harrah, worth $225,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Harrah, which is $84,375 a year.
The calculator's FHA and conventional loan limits are those of all of Oklahoma 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 Harrah. 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 $7,889 (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
$1,853
at 7.18% · 30 years
Loan amount
$221,317
Total interest
$318,424
Paid off in
November 2056
Includes $3,806 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,969 a month
Your payment · 26%
Tight
$1,969 to $2,531 a month
Hard
more than $2,531 a month
Compared with the typical household income in Harrah ($84,375 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,499
Property tax
$160
Home insurance
$94
FHA mortgage insurance (MIP)
$100
You need at least $7,889 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 $1,853; principal and interest $1,499.
The city and its county
Harrah and Oklahoma County
Harrah 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).
Harrah
Map of Oklahoma County, Oklahoma, with Harrah marked. Around it, the neighboring counties.
Harrah
Oklahoma County
Other cities with a page
Harrah's own numbers
Typical home value
$225,400
Typical monthly rent
$939
Typical yearly household income
$84,375
Households that own their home
75%
Effective property tax rate
0.85%
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.
A typical home in Harrah is worth $225,400: about the same as the county and 13% above Oklahoma. With the typical household income in Harrah ($84,375 a year), a typical home costs 2.7 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.
Harrah2.7 years
Oklahoma3.3 years
Oklahoma3.1 years
United States4.1 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.
Yearly change in FHFA’s price index in Oklahoma County, 2016 to 2025
2016: +3.7% +3.7% 2016
2017: +3.3% +3.3% 2017
2018: +3.8% +3.8% 2018
2019: +4.5% +4.5% 2019
2020: +4.5% +4.5% 2020
2021: +9.9% +9.9% 2021
2022: +14.7% +14.7% 2022
2023: +5.9% +5.9% 2023
2024: +4.5% +4.5% 2024
2025: +1.2% +1.2% 2025
Change in FHFA’s price index in Oklahoma County, Oklahoma and the United States
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
Harrah 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
Harrah$225,400
Oklahoma$222,900
Oklahoma$199,800
United States$332,700
Typical monthly rent
Harrah$939
Oklahoma$1,116
Oklahoma$1,014
United States$1,413
Typical yearly household income
Harrah$84,375
Oklahoma$66,679
Oklahoma$65,039
United States$80,734
See the full table
Harrah next to Oklahoma County and Oklahoma
Measure
Harrah
Oklahoma County
Oklahoma
U.S.
Typical home value
$225,400
$222,900
$199,800
$332,700
Typical monthly rent
$939 ▼16% below the county
$1,116
$1,014
$1,413
Typical yearly household income
$84,375 ▲27% above the county
$66,679
$65,039
$80,734
Households that own their home
75% ▲17 points above the county
58%
66%
65%
Typical yearly property tax
$1,907 ▼12% below the county
$2,155
$1,599
$3,119
Effective property tax rate
0.85% ▼0.12 points below the county
0.97%
0.8%
0.94%
Renters with high rent for their income
37% ▼13 points below the county
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 Harrah
For a typical $225,400 home in Harrah, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Harrah's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,853a month
Least cash to close
Down payment
$7,889
Cash to close
$14,651
Rate
7.18%
Mortgage insurance
FHA MIP · $100
Conventional, 5% down$1,811a month
Down payment
$11,270
Cash to close
$18,032
Rate
7.18%
Mortgage insurance
PMI · $107
Conventional, 20% down, no PMI$1,475a month
Down payment
$45,080
Cash to close
$51,842
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,684a month
Down payment
$33,810
Cash to close
$40,572
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Harrah
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,853
$7,889
$221,317
7.18%
FHA MIP · $100
$14,651
580
Conventional, 5% down
$1,811
$11,270
$214,130
7.18%
PMI · $107
$18,032
620*
Conventional, 20% down, no PMI
$1,475
$45,080
$180,320
7.18%
None
$51,842
620*
ITIN, 15% down (example)
$1,684
$33,810
$191,590
8.18%
None
$40,572
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 Harrah is $939 a month: 16% below the county. In Harrah, 37% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Oklahoma 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 Harrah
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Harrah has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,120 in 73045 to $1,550 in 73020.
1 of the 2 is above the fair market rent for Oklahoma County ($1,264).
Fair market rent by ZIP code and size in Harrah, fiscal year 2027.
73020
$1,170
$1,280
$1,550
$2,100
$2,360
73045
$870
$930
$1,120
$1,510
$1,710
ZIP code2 bd3 bd
73020 $1,550$2,100
73045 $1,120$1,510
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Harrah 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.
There are 2 HUD-approved agencies with an office in Oklahoma County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Harrah or Oklahoma County. The ones below are statewide in Oklahoma: they work in Harrah 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 Harrah or Oklahoma 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 Harrah 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 Harrah?
The typical home value in Harrah is $225,400, 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 Harrah?
Typical rent in Harrah is $939 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 Harrah?
Harrah 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 Harrah?
The typical homeowner in Harrah pays $1,907 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Oklahoma County, the rate is 0.97%.
Where can I find free help to buy or rent in Harrah?
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.
