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City · 5,026 residents · Kingfisher County, Oklahoma

Kingfisher , Oklahoma

In Kingfisher, a typical home is worth $227,900 and typical rent is $1,029 a month. Compared with all of Kingfisher County, typical rent is 15% higher, typical household income is 11% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $227,900

    6% above the county

    14% above Oklahoma

    • Kingfisher
    • County
    • Oklahoma

  • Typical rent

    $1,029a month

    15% above the county

    About the same as Oklahoma

    • Kingfisher
    • County
    • Oklahoma

  • Typical household income

    $64,271a year

    11% below the county

    About the same as Oklahoma

    • Kingfisher
    • County
    • Oklahoma

  • Households that own their home

    65%

    10 points below the county

    1 points below Oklahoma

    • Kingfisher
    • County
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$224,743
1.3% more than 12 months ago

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

Kingfisher is in Kingfisher 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 Kingfisher County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kingfisher apart

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

  1. Nearby, in Warr Acres, the typical home value is $164,500: 28% less than in Kingfisher ($227,900).

  2. The typical rent in Kingfisher is $1,029 a month, 15% more than in Kingfisher County as a whole ($891).

  3. 65% of households in Kingfisher own their home, against 75% in Kingfisher County.

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

The homes here

Housing in Kingfisher

What homes there are in Kingfisher, 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 is the most common home in Kingfisher: 79% of homes, near the figure in Kingfisher County (77%).

Year built

The typical home in Kingfisher was built in 1974, 4 years before the typical one in Kingfisher 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
Monthly rent with utilities

With a mortgage

$1,445 a month

Kingfisher County: $1,484 a month

Without a mortgage

$546 a month

Kingfisher County: $527 a month

Owners with a mortgage

56%

Kingfisher County: 47%

In Kingfisher, 56% of owners have a mortgage; their typical cost is $1,445 a month, about the same as in Kingfisher County.

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 Kingfisher rose 63% since 2015–2019, more than in Kingfisher County (49%).

Rent in Kingfisher moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureKingfisherKingfisher CountyOklahomaUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.2%0.9%
More than one person per room Unreliable estimate2.4%2.9%3.4%
People per household 2.512.672.502.53
Drive alone 83%84%77%69%
Carpool 9%8%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate7%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimateUnreliable estimate20 to 29 minutes

On average, a household in Kingfisher has 2.51 people, fewer than in Kingfisher County (2.67).

To get to work, 83% of workers in Kingfisher drive alone; in Kingfisher County, 84%.

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 Kingfisher?

A typical home is tight for the typical income

We start with a typical home in Kingfisher, worth $227,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Kingfisher, which is $64,271 a year. For that payment to be 28% of income, a household would need to earn about $78,322 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Kingfisher. 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 $7,977 (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

$1,828

at 7.18% · 30 years

Loan amount
$223,772
Total interest
$321,955
Paid off in
November 2056

Includes $3,849 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,500 a month

  • Tight

    $1,500 to $1,928 a month

    Your payment · 34%

  • Hard

    more than $1,928 a month

Compared with the typical household income in Kingfisher ($64,271 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,828
Principal & interest$1,516
Property tax$116
Home insurance$95
FHA mortgage insurance (MIP)$101

You need at least $7,977 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

Kingfisher and Kingfisher County

Kingfisher is in Kingfisher 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).

Kingfisher's own numbers

Typical home value
$227,900
Typical monthly rent
$1,029
Typical yearly household income
$64,271
Households that own their home
65%
Effective property tax rate
0.61%

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

Numbers for all of Kingfisher County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,039
Price change over 5 years (FHFA)
+29%
Homes in a high flood-risk zone
6.9%

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 Kingfisher County.

Everything about Kingfisher County

Buying

Buying a home in Kingfisher

A typical home in Kingfisher is worth $227,900: 6% above the county and 14% above Oklahoma. With the typical household income in Kingfisher ($64,271 a year), a typical home costs 3.5 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.

  • Kingfisher 3.5 years
  • County 3.0 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kingfisher County

According to FHFA’s house price index, home prices in Kingfisher County rose 53% in the 10 years through 2025.

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

Period County Oklahoma U.S.
Last year (2025) +5.9% +2.6% +2.9%
5 years (2020–2025) +29% +46% +47%
10 years (2015–2025) +53% +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

Kingfisher next to Kingfisher 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
  • Kingfisher $227,900
  • County $215,800
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Kingfisher $1,029
  • County $891
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Kingfisher $64,271
  • County $71,975
  • Oklahoma $65,039
  • United States $80,734
See the full table
Kingfisher next to Kingfisher County and Oklahoma
Measure Kingfisher Kingfisher County Oklahoma U.S.
Typical home value $227,900 $215,800 $199,800 $332,700
Typical monthly rent $1,029 $891 $1,014 $1,413
Typical yearly household income $64,271 $71,975 $65,039 $80,734
Households that own their home 65% 75% 66% 65%
Typical yearly property tax $1,400 $1,242 $1,599 $3,119
Effective property tax rate 0.61% 0.58% 0.8% 0.94%

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

For a typical $227,900 home in Kingfisher, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kingfisher's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,828a month

    Least cash to close
    Down payment
    $7,977
    Cash to close
    $14,814
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $101

  • Conventional, 5% down $1,786a month

    Down payment
    $11,395
    Cash to close
    $18,232
    Rate
    7.18%
    Mortgage insurance
    PMI · $108

  • Conventional, 20% down, no PMI $1,446a month

    Down payment
    $45,580
    Cash to close
    $52,417
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,657a month

    Down payment
    $34,185
    Cash to close
    $41,022
    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 Kingfisher and for Kingfisher County.

Property tax

Effective rate in Kingfisher

0.61%of the home’s value each year

$1,400 a year for the typical owner in Kingfisher.

  • Kingfisher 0.61%
  • County 0.58%
  • 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 Kingfisher County

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

Homes in the high-risk zone
6.9%
478
Of those, with NFIP insurance
4.4%
County Oklahoma U.S.
Homes in the high-risk zone 6.9% 2.2% 3.5%
Of those, with NFIP insurance 4.4% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kingfisher

Typical rent in Kingfisher is $1,029 a month: 15% above the county.

HUD publishes a fair market rent for all of Kingfisher County, by unit size. To pay the 2-bedroom one ($1,039 a month) without spending more than 30% of your income, you would need to earn $19.98 an hour working full time.

HUD fair market rent for all of Kingfisher 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 $724 $13.92 $28,960
1 bedroom $811 $15.60 $32,440
2 bedrooms $1,039 $19.98 $41,560
3 bedrooms $1,271 $24.44 $50,840
4 bedrooms $1,484 $28.54 $59,360

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 Kingfisher

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kingfisher is in ZIP code 73750.

For 2 bedrooms it is $1,070: $31 more than the fair market rent for Kingfisher County ($1,039).

  • 73750 $1,070$1,310

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

HUD lists 4 buildings with rents for lower incomes in Kingfisher. These are the largest.

  • Autumn Trace 2301 S Mitchell Dr, Kingfisher 73750 31 homes, 30 low-income · For older adults (405) 375-6020
  • Autumn Trace Apartments 2305 S Mitchell Dr, Kingfisher 73750 31 homes, 30 low-income · Studio: 7 · 1 bd: 24 · In service since 2018
  • Meadow Glen Apts 801 W Kens Rd, Kingfisher 73750 20 low-income homes · In service since 2005 · For families
  • Kingfisher Village Apts 1501 S 7th St, Kingfisher 73750 8 low-income homes

See all 4 buildings in Kingfisher County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Kingfisher

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 Kingfisher 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 Kingfisher

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

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

  • Neighborhood Housing Services Oklahoma City

    4101 N Classen Blvd Ste A, Oklahoma City · 32 miles away · Spanish

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

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

    319 SW 25th St, Oklahoma City · 37 miles away

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

  • Chickasaw Nation Division of Housing

    111 Rosedale Rd, Ada · 101 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 Kingfisher

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 Kingfisher

HUD lists no housing authority with an office in Kingfisher County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Oklahoma Source: HUD

Cities

Nearby cities

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

Everything about Kingfisher County Housing in Oklahoma

Neighboring counties

If Kingfisher 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 Kingfisher.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Kingfisher

Short answers with the numbers for Kingfisher and all of Kingfisher 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 Kingfisher?

The typical home value in Kingfisher is $227,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kingfisher County it is $215,800.

How much does it cost to rent in Kingfisher?

Typical rent in Kingfisher is $1,029 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kingfisher County is $1,039.

What is the FHA loan limit in Kingfisher?

Kingfisher uses the FHA limit for all of Kingfisher 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 Kingfisher?

The typical homeowner in Kingfisher pays $1,400 a year, according to the U.S. Census Bureau. That is 0.61% of the home’s value; in Kingfisher County, the rate is 0.58%.

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

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