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City · 5,608 residents · Okmulgee County, Oklahoma

Henryetta , Oklahoma

In Henryetta, a typical home is worth $88,600 and typical rent is $695 a month. Compared with all of Okmulgee County, the typical home value is 27% lower, typical rent is 17% lower, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $88,600

    27% below the county

    56% below Oklahoma

    • Henryetta
    • Okmulgee
    • Oklahoma

  • Typical rent

    $695a month

    17% below the county

    31% below Oklahoma

    • Henryetta
    • Okmulgee
    • Oklahoma

  • Typical household income

    $45,259a year

    16% below the county

    30% below Oklahoma

    • Henryetta
    • Okmulgee
    • Oklahoma

  • Households that own their home

    62%

    8 points below the county

    4 points below Oklahoma

    • Henryetta
    • Okmulgee
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$112,671
about the same as 12 months ago

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

Henryetta is in Okmulgee 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 Okmulgee County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Henryetta apart

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

  1. Henryetta has the 2nd lowest typical home value of the 75 cities in Oklahoma with more than 5,000 people ($88,600).

  2. Henryetta has the 3rd lowest typical rent of the 75 cities in Oklahoma with more than 5,000 people ($695).

  3. The typical household income in Henryetta is $45,259, 16% less than in Okmulgee County as a whole ($54,029).

  4. 62% of households in Henryetta own their home, against 70% in Okmulgee County.

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

The homes here

Housing in Henryetta

What homes there are in Henryetta, 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 rules in Henryetta: 79% of homes, more than in Okmulgee County (74%).

Year built

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

About 70% of rented homes in Henryetta cost less than HUD's 2-bedroom fair market rent for Okmulgee County ($921).

With a mortgage

$1,083 a month

Okmulgee County: $1,224 a month

Without a mortgage

$405 a month

Okmulgee County: $425 a month

Owners with a mortgage

44%

Okmulgee County: 47%

In Henryetta, 44% of owners have a mortgage, and their typical cost is $1,083 a month, against $1,224 in Okmulgee County. Without one it drops to $405.

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

The typical home value in Henryetta rose 38% since 2015–2019, less than in Okmulgee County (42%).

Since 2015–2019, the typical rent in Henryetta 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

MeasureHenryettaOkmulgee CountyOklahomaUnited States
Rental vacancy Unreliable estimate5.4%6.5%5.5%
Homeowner vacancy Unreliable estimate1.9%1.2%0.9%
More than one person per room Unreliable estimate4.1%2.9%3.4%
People per household 2.352.492.502.53
Drive alone 75%79%77%69%
Carpool 17%11%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 7%8%9%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimateUnreliable estimate20 to 29 minutes

On average, a household in Henryetta has 2.35 people, fewer than in Okmulgee County (2.49).

In Henryetta, 17% of workers share a car to get to work; in Okmulgee County, 11%.

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 Henryetta?

A typical home is within reach of the typical income

We start with a typical home in Henryetta, worth $88,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 19% of the typical household income in Henryetta, which is $45,259 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Henryetta. 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 $3,101 (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

$713

at 7.18% · 30 years

Loan amount
$86,995
Total interest
$125,166
Paid off in
November 2056

Includes $1,496 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,056 a month

    Your payment · 19%

  • Tight

    $1,056 to $1,358 a month

  • Hard

    more than $1,358 a month

Compared with the typical household income in Henryetta ($45,259 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$713
Principal & interest$589
Property tax$48
Home insurance$37
FHA mortgage insurance (MIP)$39

You need at least $3,101 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

Henryetta and Okmulgee County

Henryetta is in Okmulgee 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).

Henryetta's own numbers

Typical home value
$88,600
Typical monthly rent
$695
Typical yearly household income
$45,259
Households that own their home
62%
Effective property tax rate
0.65%

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

Numbers for all of Okmulgee County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$921
Price change over 5 years (FHFA)
+42%
Homes in a high flood-risk zone
3.4%

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 Okmulgee County.

Everything about Okmulgee County

Buying

Buying a home in Henryetta

A typical home in Henryetta is worth $88,600: 27% below the county and 56% below Oklahoma. With the typical household income in Henryetta ($45,259 a year), a typical home costs 2.0 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.

  • Henryetta 2.0 years
  • Okmulgee 2.2 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Okmulgee County

According to FHFA’s house price index, home prices in Okmulgee County rose 69% in the 10 years through 2025.

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

Period County Oklahoma U.S.
Last year (2025) +1.0% +2.6% +2.9%
5 years (2020–2025) +42% +46% +47%
10 years (2015–2025) +69% +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

Henryetta next to Okmulgee 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
  • Henryetta $88,600
  • Okmulgee $121,200
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Henryetta $695
  • Okmulgee $834
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Henryetta $45,259
  • Okmulgee $54,029
  • Oklahoma $65,039
  • United States $80,734
See the full table
Henryetta next to Okmulgee County and Oklahoma
Measure Henryetta Okmulgee County Oklahoma U.S.
Typical home value $88,600 $121,200 $199,800 $332,700
Typical monthly rent $695 $834 $1,014 $1,413
Typical yearly household income $45,259 $54,029 $65,039 $80,734
Households that own their home 62% 70% 66% 65%
Typical yearly property tax $572 $796 $1,599 $3,119
Effective property tax rate 0.65% 0.66% 0.8% 0.94%
Renters with high rent for their income 43% 46% 46% 51%

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

For a typical $88,600 home in Henryetta, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Henryetta's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $713a month

    Least cash to close
    Down payment
    $3,101
    Cash to close
    $5,759
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $39

  • Conventional, 5% down $697a month

    Down payment
    $4,430
    Cash to close
    $7,088
    Rate
    7.18%
    Mortgage insurance
    PMI · $42

  • Conventional, 20% down, no PMI $565a month

    Down payment
    $17,720
    Cash to close
    $20,378
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $647a month

    Down payment
    $13,290
    Cash to close
    $15,948
    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 Henryetta and for Okmulgee County.

Property tax

Effective rate in Henryetta

0.65%of the home’s value each year

$572 a year for the typical owner in Henryetta.

  • Henryetta 0.65%
  • Okmulgee 0.66%
  • 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 Okmulgee County

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

Homes in the high-risk zone
3.4%
594
Of those, with NFIP insurance
7.6%
County Oklahoma U.S.
Homes in the high-risk zone 3.4% 2.2% 3.5%
Of those, with NFIP insurance 7.6% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Henryetta

Typical rent in Henryetta is $695 a month: 17% below the county. In Henryetta, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Okmulgee County, by unit size. To pay the 2-bedroom one ($921 a month) without spending more than 30% of your income, you would need to earn $17.71 an hour working full time.

HUD fair market rent for all of Okmulgee 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 $741 $14.25 $29,640
1 bedroom $745 $14.33 $29,800
2 bedrooms $921 $17.71 $36,840
3 bedrooms $1,275 $24.52 $51,000
4 bedrooms $1,289 $24.79 $51,560

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 Henryetta

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Henryetta is in ZIP code 74437.

For 2 bedrooms it is $920: $1 less than the fair market rent for Okmulgee County ($921).

  • 74437 $920$1,270

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

HUD lists 2 buildings with rents for lower incomes in Henryetta. These are the largest.

  • New Lake Village 205 New Lake Rd, Henryetta 74437 60 homes, 59 low-income · For families (918) 652-9629
  • Rental 409A S 18th St, Henryetta 74437 50 low-income homes · Run by Housing Authority of the City of Henryetta · Average payment: $329 a month · Average wait: 19 months (918) 652-9651

See all 9 buildings in Okmulgee County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Henryetta

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

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Henryetta

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

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

  • Quickcert, Inc.

    7122 S Sheridan Rd Ste 2, Tulsa · 43 miles away · Spanish

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

  • Tulsa Habitat for Humanity

    6235 E 13th St, Tulsa · 49 miles away

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

  • Chickasaw Nation Division of Housing

    111 Rosedale Rd, Ada · 59 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 Henryetta

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 Henryetta

HUD’s record names them for Henryetta or Okmulgee County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Henryetta Public housing and Section 8 vouchers (918) 652-9651

One other authority has an office in Okmulgee County: see the list Source: HUD

Cities

Other cities in Okmulgee County

These cities are also in Okmulgee County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Okmulgee County Housing in Oklahoma

Nearby cities

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

Neighboring counties

If Okmulgee 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 Henryetta.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Henryetta

Short answers with the numbers for Henryetta and all of Okmulgee 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 Henryetta?

The typical home value in Henryetta is $88,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Okmulgee County it is $121,200.

How much does it cost to rent in Henryetta?

Typical rent in Henryetta is $695 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Okmulgee County is $921.

What is the FHA loan limit in Henryetta?

Henryetta uses the FHA limit for all of Okmulgee 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 Henryetta?

The typical homeowner in Henryetta pays $572 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Okmulgee County, the rate is 0.66%.

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

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