Español

Este sitio también está en español. Leer en español

City · 6,987 residents · McCurtain County, Oklahoma

Idabel , Oklahoma

In Idabel, a typical home is worth $134,800 and typical rent is $702 a month. Compared with all of McCurtain County, typical household income is 17% lower, the typical home value is 7% lower, and the share of households that own their home is 18 points lower.

WhatsApp

  • Typical home value

    $134,800

    7% below the county

    33% below Oklahoma

    • Idabel
    • McCurtain
    • Oklahoma

  • Typical rent

    $702a month

    About the same as the county

    31% below Oklahoma

    • Idabel
    • McCurtain
    • Oklahoma

  • Typical household income

    $43,295a year

    17% below the county

    33% below Oklahoma

    • Idabel
    • McCurtain
    • Oklahoma

  • Households that own their home

    55%

    18 points below the county

    11 points below Oklahoma

    • Idabel
    • McCurtain
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$134,222
1.6% more than 12 months ago

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

Idabel is in McCurtain 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 McCurtain County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Idabel apart

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

  1. 55% of households in Idabel own their home, against 73% in McCurtain County.

  2. Idabel has the 4th lowest typical rent of the 75 cities in Oklahoma with more than 5,000 people ($702).

  3. Nearby, in Hugo, the typical home value is $96,300: 29% less than in Idabel ($134,800).

  4. Idabel has the 5th lowest typical household income of the 75 cities in Oklahoma with more than 5,000 people ($43,295).

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

The homes here

Housing in Idabel

What homes there are in Idabel, 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

As in McCurtain County, most homes in Idabel are detached houses (74%).

Year built

The typical home in Idabel was built in 1977, 6 years before the typical one in McCurtain County.

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

At least 92% of owner-occupied homes in Idabel are worth less than $500,000, below the FHA loan limit for McCurtain County ($541,287).

Monthly rent with utilities

About 66% of rented homes in Idabel cost less than HUD's 2-bedroom fair market rent for McCurtain County ($916).

With a mortgage

$1,041 a month

McCurtain County: $1,200 a month

Without a mortgage

$415 a month

McCurtain County: $393 a month

Owners with a mortgage

38%

McCurtain County: 37%

Owning costs less in Idabel: with a mortgage, the typical cost is $1,041 a month; in McCurtain County, $1,200. Without one, $415.

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

From 2015–2019 to 2020–2024, the typical home value in Idabel rose 78%; in McCurtain County, it rose 74%.

The typical rent in Idabel rose 22% since 2015–2019, about the same as in McCurtain County (20%).

To compare: typical income in Idabel rose 35%; the home, +78%; the rent, +22%.

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

MeasureIdabelMcCurtain CountyOklahomaUnited States
Rental vacancy 12.6%13.9%6.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.2%0.9%
More than one person per room Unreliable estimate3.5%2.9%3.4%
People per household 2.782.742.502.53
Drive alone 80%84%77%69%
Carpool 11%9%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 6%4%9%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutesUnreliable estimate20 to 29 minutes

There is little rental housing open in Idabel: only 12.6% is empty and offered for rent, against 13.9% in McCurtain County.

By size, households in Idabel look like those in McCurtain County: 2.78 people on average.

The car rules in Idabel: 80% 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 Idabel?

A typical home is tight for the typical income

We start with a typical home in Idabel, worth $134,800, 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 Idabel, which is $43,295 a year. For that payment to be 28% of income, a household would need to earn about $45,604 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Idabel. 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 $4,718 (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

$1,064

at 7.18% · 30 years

Loan amount
$132,358
Total interest
$190,433
Paid off in
November 2056

Includes $2,276 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,010 a month

  • Tight

    $1,010 to $1,299 a month

    Your payment · 29%

  • Hard

    more than $1,299 a month

Compared with the typical household income in Idabel ($43,295 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,064
Principal & interest$897
Property tax$52
Home insurance$56
FHA mortgage insurance (MIP)$60

You need at least $4,718 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

Idabel and McCurtain County

Idabel is in McCurtain 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).

Idabel's own numbers

Typical home value
$134,800
Typical monthly rent
$702
Typical yearly household income
$43,295
Households that own their home
55%
Effective property tax rate
0.46%

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

Numbers for all of McCurtain 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)
+43%
Homes in a high flood-risk zone
5.5%

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 McCurtain County.

Everything about McCurtain County

Buying

Buying a home in Idabel

A typical home in Idabel is worth $134,800: 7% below the county and 33% below Oklahoma. With the typical household income in Idabel ($43,295 a year), a typical home costs 3.1 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.

  • Idabel 3.1 years
  • McCurtain 2.8 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in McCurtain County

According to FHFA’s house price index, home prices in McCurtain County rose 81% in the 10 years through 2025.

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

Period County Oklahoma U.S.
Last year (2025) +13.1% +2.6% +2.9%
5 years (2020–2025) +43% +46% +47%
10 years (2015–2025) +81% +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

Idabel next to McCurtain 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
  • Idabel $134,800
  • McCurtain $144,500
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Idabel $702
  • McCurtain $700
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Idabel $43,295
  • McCurtain $51,929
  • Oklahoma $65,039
  • United States $80,734
See the full table
Idabel next to McCurtain County and Oklahoma
Measure Idabel McCurtain County Oklahoma U.S.
Typical home value $134,800 $144,500 $199,800 $332,700
Typical monthly rent $702 $700 $1,014 $1,413
Typical yearly household income $43,295 $51,929 $65,039 $80,734
Households that own their home 55% 73% 66% 65%
Typical yearly property tax $618 $528 $1,599 $3,119
Effective property tax rate 0.46% 0.37% 0.8% 0.94%
Renters with high rent for their income 45% 41% 46% 51%

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

For a typical $134,800 home in Idabel, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Idabel's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,064a month

    Least cash to close
    Down payment
    $4,718
    Cash to close
    $8,762
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $60

  • Conventional, 5% down $1,039a month

    Down payment
    $6,740
    Cash to close
    $10,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $64

  • Conventional, 20% down, no PMI $838a month

    Down payment
    $26,960
    Cash to close
    $31,004
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $963a month

    Down payment
    $20,220
    Cash to close
    $24,264
    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 Idabel and for McCurtain County.

Property tax

Effective rate in Idabel

0.46%of the home’s value each year

$618 a year for the typical owner in Idabel.

  • Idabel 0.46%
  • McCurtain 0.37%
  • 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 McCurtain County

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

Homes in the high-risk zone
5.5%
794
Of those, with NFIP insurance
2.8%
County Oklahoma U.S.
Homes in the high-risk zone 5.5% 2.2% 3.5%
Of those, with NFIP insurance 2.8% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Idabel

Typical rent in Idabel is $702 a month: about the same as the county. In Idabel, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of McCurtain 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 McCurtain 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 $638 $12.27 $25,520
1 bedroom $722 $13.88 $28,880
2 bedrooms $916 $17.62 $36,640
3 bedrooms $1,235 $23.75 $49,400
4 bedrooms $1,396 $26.85 $55,840

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 Idabel

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Idabel is in ZIP code 74745.

For 2 bedrooms it is $950: $34 more than the fair market rent for McCurtain County ($916).

  • 74745 $950$1,280

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

HUD lists 7 buildings with rents for lower incomes in Idabel. These are the largest.

  • Rental 1000 Lyndon Rd, Idabel 74745 192 low-income homes · Run by Housing Authority of the City of Idabel · Average payment: $349 a month · Average wait: 16 months · Homes at several sites (580) 286-9444
  • Briarcliff Apartments 901 SW Van Buren St, Idabel 74745 80 low-income homes · For families (580) 286-6488
  • Gardenwalk of Idabel 907 Laurel Dr, Idabel 74745 52 low-income homes · 1 bd: 4 · 2 bd: 28 · 3 bd: 16 · 4 bd: 4 · In service since 2016 · For people with disabilities
  • Laurel Ridge 1700 SE Madison St, Idabel 74745 51 low-income homes
  • Idabel Pioneer Village LP 225 SW Fairview St, Idabel 74745 24 low-income homes · For older adults (580) 286-6845

See all 12 buildings in McCurtain County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Idabel

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 McCurtain 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 Idabel

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

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

  • Housing Authority of the Choctaw Nation of Oklahoma

    403 Chata Cir, Hugo · 41 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (580) 326-7521

  • Chickasaw Nation Division of Housing

    111 Rosedale Rd, Ada · 122 miles away

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

  • Quickcert, Inc.

    7122 S Sheridan Rd Ste 2, Tulsa · 161 miles away · Spanish

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

All counseling agencies in Oklahoma

Help in Spanish near Idabel

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 Idabel

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

  • Housing Authority of the City of Idabel Public housing (580) 286-9444

2 other authorities have an office in McCurtain County: see the list Source: HUD

Cities

Nearby cities

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

Everything about McCurtain County Housing in Oklahoma

Neighboring counties

If McCurtain 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 Idabel.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Idabel

Short answers with the numbers for Idabel and all of McCurtain 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 Idabel?

The typical home value in Idabel is $134,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in McCurtain County it is $144,500.

How much does it cost to rent in Idabel?

Typical rent in Idabel is $702 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in McCurtain County is $916.

What is the FHA loan limit in Idabel?

Idabel uses the FHA limit for all of McCurtain 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 Idabel?

The typical homeowner in Idabel pays $618 a year, according to the U.S. Census Bureau. That is 0.46% of the home’s value; in McCurtain County, the rate is 0.37%.

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

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