In Hugo, a typical home is worth $96,300 and typical rent is $638 a month. Compared with all of Choctaw County, the typical home value is 24% lower, typical household income is 23% lower, and the share of households that own their home is 25 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $91,155 to $124,087.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hugo is in Choctaw 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 Choctaw County. See the county
What this place has that others do not, from public data, most unusual first.
1
Hugo has the lowest typical rent of the 75 cities in Oklahoma with more than 5,000 people: $638.
2
Hugo has the lowest typical household income of the 75 cities in Oklahoma with more than 5,000 people: $33,917.
3
41% of households in Hugo own their home, against 66% in Choctaw County.
4
The typical home in Hugo is worth $96,300,24% less than in Choctaw County as a whole ($126,500).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hugo
What homes there are in Hugo, 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
Hugo
Choctaw County
Oklahoma
United States
Kind of home: Hugo and its comparisons
Measure
Hugo
Choctaw County
Oklahoma
United States
Detached house
66%
73%
73%
61%
Attached house
Unreliable estimate
1%
2%
6%
Building of 2 to 4
17%
7%
5%
8%
Apartments (5 or more)
Unreliable estimate
5%
12%
19%
Mobile home
4%
14%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Hugo (66%), but less so than in Choctaw County (73%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Hugo
Choctaw County
Oklahoma
United States
Year built: Hugo and its comparisons
Measure
Hugo
Choctaw County
Oklahoma
United States
Before 1960
22%
16%
21%
26%
1960–1979
37%
31%
28%
24%
1980–1999
27%
30%
24%
25%
2000–2009
9%
13%
13%
14%
2010 or later
4%
9%
13%
11%
In Hugo, half of the homes were built before 1976; in Choctaw County, before 1982.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K54%
$100K–$200K33%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hugo and its comparisons
Measure
Hugo
Under $100K
54%
$100K–$200K
33%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50039%
$500–$99944%
HUD fair market rent, 2 bedrooms: $916
$1,000–$1,49914%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hugo and its comparisons
Measure
Hugo
Under $500
39%
$500–$999
44%
$1,000–$1,499
14%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
About 75% of rented homes in Hugo cost less than HUD's 2-bedroom fair market rent for Choctaw County ($916).
With a mortgage
$945 a month
Choctaw County: $1,180 a month
Without a mortgage
$342 a month
Choctaw County: $393 a month
Owners with a mortgage
38%
Choctaw County: 39%
In Hugo, 38% of owners have a mortgage, and their typical cost is $945 a month, against $1,180 in Choctaw County. Without one it drops to $342.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hugo+43%
Choctaw County+31%
Oklahoma+46%
United States+53%
Typical rent
HugoNo clear change
Choctaw County+21%
Oklahoma+25%
United States+33%
Typical household income
Hugo+35%
Choctaw County+28%
Oklahoma+23%
United States+29%
Change since 2015–2019: Hugo and its comparisons
Measure
Hugo
Choctaw County
Oklahoma
United States
Typical home value
+43%
+31%
+46%
+53%
Typical rent
No clear change
+21%
+25%
+33%
Typical household income
+35%
+28%
+23%
+29%
The typical home value in Hugo rose 43% since 2015–2019, more than in Choctaw County (31%).
The typical rent in Hugo 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: Hugo and its comparisons
Measure
Hugo
Choctaw County
Oklahoma
United States
Rental vacancy
7.5%
5.9%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.2%
0.9%
More than one person per room
Unreliable estimate
2.3%
2.9%
3.4%
People per household
2.24
2.38
2.50
2.53
Drive alone
69%
76%
77%
69%
Carpool
19%
15%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
7%
6%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
Unreliable estimate
20 to 29 minutes
There is more rental housing open in Hugo: 7.5% is empty and offered for rent, against 5.9% in Choctaw County.
Households in Hugo are smaller: 2.24 people on average; in Choctaw County, 2.38.
In Hugo, 19% of workers share a car to get to work; in Choctaw County, 15%.
Do the math
What would you pay each month for a home in Hugo?
A typical home is within reach of the typical income
We start with a typical home in Hugo, worth $96,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Hugo, which is $33,917 a year.
The calculator's FHA and conventional loan limits are those of all of Choctaw 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 Hugo. 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 $3,371 (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
$757
at 7.18% · 30 years
Loan amount
$94,555
Total interest
$136,043
Paid off in
November 2056
Includes $1,626 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $791 a month
Your payment · 27%
Tight
$791 to $1,018 a month
Hard
more than $1,018 a month
Compared with the typical household income in Hugo ($33,917 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$641
Property tax
$34
Home insurance
$40
FHA mortgage insurance (MIP)
$43
You need at least $3,371 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 $757; principal and interest $641.
The city and its county
Hugo and Choctaw County
Hugo is in Choctaw 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).
Hugo
Map of Choctaw County, Oklahoma, with Hugo marked. Around it, the neighboring counties.
Hugo
Choctaw County
Hugo's own numbers
Typical home value
$96,300
Typical monthly rent
$638
Typical yearly household income
$33,917
Households that own their home
41%
Effective property tax rate
0.42%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Choctaw 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)
+75%
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 Choctaw County.
A typical home in Hugo is worth $96,300: 24% below the county and 52% below Oklahoma. With the typical household income in Hugo ($33,917 a year), a typical home costs 2.8 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.
Hugo2.8 years
Choctaw2.9 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Choctaw County
According to FHFA’s house price index, home prices in Choctaw County rose 123% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Choctaw County.
Yearly change in FHFA’s price index in Choctaw County, 2016 to 2025
2016: +12.8% +12.8% 2016
2017: −5.2% −5.2% 2017
2018: +10.7% +10.7% 2018
2019: +5.9% +5.9% 2019
2020: +1.5% +1.5% 2020
2021: +9.5% +9.5% 2021
2022: — — 2022
2023: — — 2023
2024: +10.5% +10.5% 2024
2025: +13.6% +13.6% 2025
Change in FHFA’s price index in Choctaw County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+13.6%
+2.6%
+2.9%
5 years (2020–2025)
+75%
+46%
+47%
10 years (2015–2025)
+123%
+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
Hugo next to Choctaw 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
Hugo$96,300
Choctaw$126,500
Oklahoma$199,800
United States$332,700
Typical monthly rent
Hugo$638
Choctaw$690
Oklahoma$1,014
United States$1,413
Typical yearly household income
Hugo$33,917
Choctaw$44,081
Oklahoma$65,039
United States$80,734
See the full table
Hugo next to Choctaw County and Oklahoma
Measure
Hugo
Choctaw County
Oklahoma
U.S.
Typical home value
$96,300 ▼24% below the county
$126,500
$199,800
$332,700
Typical monthly rent
$638 ▼8% below the county
$690
$1,014
$1,413
Typical yearly household income
$33,917 ▼23% below the county
$44,081
$65,039
$80,734
Households that own their home
41% ▼25 points below the county
66%
66%
65%
Typical yearly property tax
$406 ▼22% below the county
$520
$1,599
$3,119
Effective property tax rate
0.42% ▲0.01 points above the county
0.41%
0.8%
0.94%
Renters with high rent for their income
45%
45%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Choctaw 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 Hugo
For a typical $96,300 home in Hugo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hugo's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$757a month
Least cash to close
Down payment
$3,371
Cash to close
$6,260
Rate
7.18%
Mortgage insurance
FHA MIP · $43
Conventional, 5% down$739a month
Down payment
$4,815
Cash to close
$7,704
Rate
7.18%
Mortgage insurance
PMI · $46
Conventional, 20% down, no PMI$596a month
Down payment
$19,260
Cash to close
$22,149
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$685a month
Down payment
$14,445
Cash to close
$17,334
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hugo
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$757
$3,371
$94,556
7.18%
FHA MIP · $43
$6,260
580
Conventional, 5% down
$739
$4,815
$91,485
7.18%
PMI · $46
$7,704
620*
Conventional, 20% down, no PMI
$596
$19,260
$77,040
7.18%
None
$22,149
620*
ITIN, 15% down (example)
$685
$14,445
$81,855
8.18%
None
$17,334
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 Hugo is $638 a month: 8% below the county. In Hugo, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Choctaw 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Choctaw County (Fiscal year 2027)
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
$1,127
$21.67
$45,080
4 bedrooms
$1,204
$23.15
$48,160
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 Hugo
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hugo is in ZIP code 74743.
For 2 bedrooms it is $920: $4 more than the fair market rent for Choctaw County ($916).
Fair market rent by ZIP code and size in Hugo, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
74743
$700
$700
$920
$1,130
$1,210
ZIP code2 bd3 bd
74743 $920$1,130
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hugo 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 11 buildings with rents for lower incomes in Hugo. These are the largest.
Meadow VW + Rosewood DR100 Meadowview St, Hugo 74743226 homes, 220 low-income · Run by Housing Authority of the City of Hugo · Average payment: $312 a month · Average wait: 8 months · Homes at several sites(580) 326-3348
SOUTHWIND ACRES 221(d)4 HUD Held)548 Southwind Acres, Hugo 7474374 low-income homes · For families(580) 326-7842
Burnside Estates,, LP412 Burnside St, Hugo 7474332 low-income homes · 1 bd: 4 · 2 bd: 28 · In service since 2017 · For people with disabilities
Kiamichi Gardens I1405 S K St, Hugo 7474328 low-income homes · 1 bd: 24 · 2 bd: 4 · In service since 2002
Belmont Place Senior Housing500 S. 14th Street, Hugo 7474320 low-income homes · For older adults(580) 326-5411
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 is 1 HUD-approved agency with an office in Choctaw County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Hugo or Choctaw County. The ones below are statewide in Oklahoma: they work in Hugo 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 Hugo or Choctaw 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 Hugo and all of Choctaw 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 Hugo?
The typical home value in Hugo is $96,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Choctaw County it is $126,500.
How much does it cost to rent in Hugo?
Typical rent in Hugo is $638 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Choctaw County is $916.
What is the FHA loan limit in Hugo?
Hugo uses the FHA limit for all of Choctaw 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 Hugo?
The typical homeowner in Hugo pays $406 a year, according to the U.S. Census Bureau. That is 0.42% of the home’s value; in Choctaw County, the rate is 0.41%.
Where can I find free help to buy or rent in Hugo?
There is 1 HUD-approved counseling agency with an office in Choctaw County. They can help you get ready to buy, with your credit, or with rent.
