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City · 5,902 residents · Hughes County, Oklahoma

Holdenville , Oklahoma

In Holdenville, a typical home is worth $91,600 and typical rent is $665 a month. Compared with all of Hughes County, typical household income is 10% lower, the typical home value is 10% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $91,600

    10% below the county

    54% below Oklahoma

    • Holdenville
    • Hughes
    • Oklahoma

  • Typical rent

    $665a month

    About the same as the county

    34% below Oklahoma

    • Holdenville
    • Hughes
    • Oklahoma

  • Typical household income

    $46,250a year

    10% below the county

    29% below Oklahoma

    • Holdenville
    • Hughes
    • Oklahoma

  • Households that own their home

    62%

    12 points below the county

    4 points below Oklahoma

    • Holdenville
    • Hughes
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$58,914
8.4% less than 12 months ago

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

Holdenville is in Hughes 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 Hughes County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Holdenville apart

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

  1. Holdenville has the 2nd lowest typical rent of the 75 cities in Oklahoma with more than 5,000 people ($665).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Holdenville fell 8.4%; in Oklahoma, it rose 2.6%.

  3. Holdenville has the 4th lowest typical home value of the 75 cities in Oklahoma with more than 5,000 people ($91,600).

  4. 62% of households in Holdenville own their home, against 74% in Hughes County.

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

The homes here

Housing in Holdenville

What homes there are in Holdenville, 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 Holdenville: 81% of homes, more than in Hughes County (77%).

Year built

Homes in Holdenville are older: the typical year built is 1952; in Hughes County, 1971.

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

$843 a month

Hughes County: $1,150 a month

Without a mortgage

$429 a month

Hughes County: $453 a month

Owners with a mortgage

31%

Hughes County: 29%

Owning costs less in Holdenville: with a mortgage, the typical cost is $843 a month; in Hughes County, $1,150. Without one, $429.

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 Holdenville gained value faster than in Hughes County: 66% against 40%.

The typical rent in Holdenville rose 24% over the same time; in Hughes County, it rose 19%.

While home values in Holdenville changed +66% and rent +24%, the typical household income rose 43%.

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

MeasureHoldenvilleHughes CountyOklahomaUnited States
Rental vacancy 16.5%12.3%6.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.2%0.9%
More than one person per room Unreliable estimate1.9%2.9%3.4%
People per household 3.102.892.502.53
Drive alone 84%76%77%69%
Carpool 8%8%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate13%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimateUnreliable estimate20 to 29 minutes

In Holdenville, the rental vacancy rate is 16.5%; in Hughes County, 12.3%.

More people live in each home here: 3.10 on average, against 2.89 in Hughes County.

The car rules in Holdenville: 84% 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 Holdenville?

A typical home is within reach of the typical income

We start with a typical home in Holdenville, worth $91,600, 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 Holdenville, which is $46,250 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Holdenville. 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 $3,206 (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

$728

at 7.18% · 30 years

Loan amount
$89,941
Total interest
$129,404
Paid off in
November 2056

Includes $1,547 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,079 a month

    Your payment · 19%

  • Tight

    $1,079 to $1,388 a month

  • Hard

    more than $1,388 a month

Compared with the typical household income in Holdenville ($46,250 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$728
Principal & interest$609
Property tax$40
Home insurance$38
FHA mortgage insurance (MIP)$41

You need at least $3,206 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

Holdenville and Hughes County

Holdenville is in Hughes 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).

Holdenville's own numbers

Typical home value
$91,600
Typical monthly rent
$665
Typical yearly household income
$46,250
Households that own their home
62%
Effective property tax rate
0.53%

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

Numbers for all of Hughes County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$916
Price change over 5 years (FHFA)
+68%
Homes in a high flood-risk zone
1%

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 Hughes County.

Everything about Hughes County

Buying

Buying a home in Holdenville

A typical home in Holdenville is worth $91,600: 10% below the county and 54% below Oklahoma. With the typical household income in Holdenville ($46,250 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.

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

How prices have changed in Hughes County

According to FHFA’s house price index, home prices in Hughes County rose 75% in the 10 years through 2025.

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

Period County Oklahoma U.S.
Last year (2025) — +2.6% +2.9%
5 years (2020–2025) +68% +46% +47%
10 years (2015–2025) +75% +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

Holdenville next to Hughes 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
  • Holdenville $91,600
  • Hughes $102,000
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Holdenville $665
  • Hughes $660
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Holdenville $46,250
  • Hughes $51,581
  • Oklahoma $65,039
  • United States $80,734
See the full table
Holdenville next to Hughes County and Oklahoma
Measure Holdenville Hughes County Oklahoma U.S.
Typical home value $91,600 $102,000 $199,800 $332,700
Typical monthly rent $665 $660 $1,014 $1,413
Typical yearly household income $46,250 $51,581 $65,039 $80,734
Households that own their home 62% 74% 66% 65%
Typical yearly property tax $484 $615 $1,599 $3,119
Effective property tax rate 0.53% 0.6% 0.8% 0.94%
Renters with high rent for their income 39% 39% 46% 51%

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

For a typical $91,600 home in Holdenville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Holdenville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $728a month

    Least cash to close
    Down payment
    $3,206
    Cash to close
    $5,954
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $41

  • Conventional, 5% down $712a month

    Down payment
    $4,580
    Cash to close
    $7,328
    Rate
    7.18%
    Mortgage insurance
    PMI · $44

  • Conventional, 20% down, no PMI $575a month

    Down payment
    $18,320
    Cash to close
    $21,068
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $660a month

    Down payment
    $13,740
    Cash to close
    $16,488
    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 Holdenville and for Hughes County.

Property tax

Effective rate in Holdenville

0.53%of the home’s value each year

$484 a year for the typical owner in Holdenville.

  • Holdenville 0.53%
  • Hughes 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 Hughes County

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

Homes in the high-risk zone
1%
68
Of those, with NFIP insurance
5.9%
County Oklahoma U.S.
Homes in the high-risk zone 1% 2.2% 3.5%
Of those, with NFIP insurance 5.9% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Holdenville

Typical rent in Holdenville is $665 a month: about the same as the county. In Holdenville, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hughes County, by unit size. To pay the 2-bedroom one ($916 a month) without spending more than 30% of your income, you would need to earn $17.62 an hour working full time.

HUD fair market rent for all of Hughes 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 $696 $13.38 $27,840
1 bedroom $700 $13.46 $28,000
2 bedrooms $916 $17.62 $36,640
3 bedrooms $1,091 $20.98 $43,640
4 bedrooms $1,305 $25.10 $52,200

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 Holdenville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Holdenville is in ZIP code 74848.

For 2 bedrooms it is $920: $4 more than the fair market rent for Hughes County ($916).

  • 74848 $920$1,140

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

HUD lists 5 buildings with rents for lower incomes in Holdenville. These are the largest.

  • Holdenville Ha 301 Surrey Ln, Holdenville 74848 70 low-income homes · Run by Housing Authority of the City of Holdenville · Average payment: $361 a month · Average wait: 2 months (405) 379-3375
  • Holdenville Oakridge Community Phase I 102 Riveroaks Dr, Holdenville 74848 34 low-income homes · 3 bd: 32 · In service since 2008
  • Holdenville Ridge Apts 101 Spaulding Rd, Holdenville 74848 28 low-income homes · 2 bd: 20 · 3 bd: 4 · 4 bd: 4 · In service since 2006 · For people with disabilities, families
  • Amber Courts 100 Warren St, Holdenville 74848 23 low-income homes · In service since 1993
  • Holdenville Oakridge Community Phase II 102 Riveroaks Dr, Holdenville 74848 22 low-income homes · 3 bd: 22 · In service since 2011 · For people with disabilities

See all 7 buildings in Hughes County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Holdenville

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Holdenville

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

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

  • Chickasaw Nation Division of Housing

    111 Rosedale Rd, Ada · 25 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (580) 421-8817

  • Community Action Agency of Oklahoma City and Oklahoma/Canadian Counties, Inc.

    319 SW 25th St, Oklahoma City · 68 miles away

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

  • Neighborhood Housing Services Oklahoma City

    4101 N Classen Blvd Ste A, Oklahoma City · 70 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (405) 231-4663

All counseling agencies in Oklahoma

Help in Spanish near Holdenville

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 Holdenville

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

  • Housing Authority of the City of Holdenville Public housing (405) 379-3375

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

Cities

Nearby cities

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

Everything about Hughes County Housing in Oklahoma

Neighboring counties

If Hughes 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 Holdenville.

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

Questions

Housing questions about Holdenville

Short answers with the numbers for Holdenville and all of Hughes 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 Holdenville?

The typical home value in Holdenville is $91,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hughes County it is $102,000.

How much does it cost to rent in Holdenville?

Typical rent in Holdenville is $665 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hughes County is $916.

What is the FHA loan limit in Holdenville?

Holdenville uses the FHA limit for all of Hughes 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 Holdenville?

The typical homeowner in Holdenville pays $484 a year, according to the U.S. Census Bureau. That is 0.53% of the home’s value; in Hughes County, the rate is 0.6%.

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

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