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City · 5,125 residents · Carter County, Oklahoma

Lone Grove , Oklahoma

In Lone Grove, a typical home is worth $204,900 and typical rent is $875 a month. Compared with all of Carter County, typical household income is 22% higher, the typical home value is 22% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $204,900

    22% above the county

    3% above Oklahoma

    • Lone Grove
    • Carter
    • Oklahoma

  • Typical rent

    $875a month

    11% below the county

    14% below Oklahoma

    • Lone Grove
    • Carter
    • Oklahoma

  • Typical household income

    $74,265a year

    22% above the county

    14% above Oklahoma

    • Lone Grove
    • Carter
    • Oklahoma

  • Households that own their home

    73%

    6 points above the county

    7 points above Oklahoma

    • Lone Grove
    • Carter
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$221,405
2.3% more than 12 months ago

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

Lone Grove is in Carter 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 Carter County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lone Grove apart

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

  1. Nearby, in Pauls Valley, the typical home value is $98,200: 52% less than in Lone Grove ($204,900).

  2. The typical household income in Lone Grove is $74,265, 22% more than in Carter County as a whole ($60,723).

  3. The typical home in Lone Grove is worth $204,900, 22% more than in Carter County as a whole ($168,500).

  4. 73% of households in Lone Grove own their home, against 67% in Carter County.

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

The homes here

Housing in Lone Grove

What homes there are in Lone Grove, 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 Lone Grove: 75% of homes, near the figure in Carter County (77%).

In Lone Grove there are many mobile homes: 18% of homes; in Carter County, 12%.

Year built

The typical home in Lone Grove was built in 1984, 6 years after the typical one in Carter 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

With an FHA limit of $541,287, at least 98% of owner-occupied homes in Lone Grove sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,528 a month

Carter County: $1,451 a month

Without a mortgage

$513 a month

Carter County: $449 a month

Owners with a mortgage

61%

Carter County: 48%

In Lone Grove, 61% of owners have a mortgage, and their typical cost is $1,528 a month, against $1,451 in Carter County. Without one it drops to $513.

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 Lone Grove rose 67% since 2015–2019, more than in Carter County (49%).

Since 2015–2019, the typical rent in Lone Grove 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

MeasureLone GroveCarter CountyOklahomaUnited States
Rental vacancy Unreliable estimate6.3%6.5%5.5%
Homeowner vacancy Unreliable estimate2.0%1.2%0.9%
More than one person per room Unreliable estimate2.3%2.9%3.4%
People per household 2.592.502.502.53
Drive alone 81%78%77%69%
Carpool 12%14%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate5%9%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutesUnreliable estimate20 to 29 minutes

A household in Lone Grove has 2.59 people on average, about the same as in Carter County (2.50).

To get to work, 81% of workers in Lone Grove drive alone; in Carter County, 78%.

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 Lone Grove?

A typical home is within reach of the typical income

We start with a typical home in Lone Grove, worth $204,900, 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 Lone Grove, which is $74,265 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lone Grove. 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 $7,172 (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

$1,674

at 7.18% · 30 years

Loan amount
$201,188
Total interest
$289,463
Paid off in
November 2056

Includes $3,460 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,733 a month

    Your payment · 27%

  • Tight

    $1,733 to $2,228 a month

  • Hard

    more than $2,228 a month

Compared with the typical household income in Lone Grove ($74,265 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,674
Principal & interest$1,363
Property tax$135
Home insurance$85
FHA mortgage insurance (MIP)$91

You need at least $7,172 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

Lone Grove and Carter County

Lone Grove is in Carter 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).

Lone Grove's own numbers

Typical home value
$204,900
Typical monthly rent
$875
Typical yearly household income
$74,265
Households that own their home
73%
Effective property tax rate
0.79%

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

Numbers for all of Carter County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,040
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
1.4%

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 Carter County.

Everything about Carter County

Buying

Buying a home in Lone Grove

A typical home in Lone Grove is worth $204,900: 22% above the county and 3% above Oklahoma. With the typical household income in Lone Grove ($74,265 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.

  • Lone Grove 2.8 years
  • Carter 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 Carter County

According to FHFA’s house price index, home prices in Carter County rose 60% in the 10 years through 2025.

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

Period County Oklahoma U.S.
Last year (2025) +2.2% +2.6% +2.9%
5 years (2020–2025) +47% +46% +47%
10 years (2015–2025) +60% +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

Lone Grove next to Carter 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
  • Lone Grove $204,900
  • Carter $168,500
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Lone Grove $875
  • Carter $980
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Lone Grove $74,265
  • Carter $60,723
  • Oklahoma $65,039
  • United States $80,734
See the full table
Lone Grove next to Carter County and Oklahoma
Measure Lone Grove Carter County Oklahoma U.S.
Typical home value $204,900 $168,500 $199,800 $332,700
Typical monthly rent $875 $980 $1,014 $1,413
Typical yearly household income $74,265 $60,723 $65,039 $80,734
Households that own their home 73% 67% 66% 65%
Typical yearly property tax $1,621 $1,244 $1,599 $3,119
Effective property tax rate 0.79% 0.74% 0.8% 0.94%
Renters with high rent for their income 43% 45% 46% 51%

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

For a typical $204,900 home in Lone Grove, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lone Grove's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,674a month

    Least cash to close
    Down payment
    $7,172
    Cash to close
    $13,319
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $91

  • Conventional, 5% down $1,636a month

    Down payment
    $10,245
    Cash to close
    $16,392
    Rate
    7.18%
    Mortgage insurance
    PMI · $97

  • Conventional, 20% down, no PMI $1,331a month

    Down payment
    $40,980
    Cash to close
    $47,127
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,520a month

    Down payment
    $30,735
    Cash to close
    $36,882
    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 Lone Grove and for Carter County.

Property tax

Effective rate in Lone Grove

0.79%of the home’s value each year

$1,621 a year for the typical owner in Lone Grove.

  • Lone Grove 0.79%
  • Carter 0.74%
  • 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 Carter County

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

Homes in the high-risk zone
1.4%
285
Of those, with NFIP insurance
11%
County Oklahoma U.S.
Homes in the high-risk zone 1.4% 2.2% 3.5%
Of those, with NFIP insurance 11% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lone Grove

Typical rent in Lone Grove is $875 a month: 11% below the county. In Lone Grove, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Carter County, by unit size. To pay the 2-bedroom one ($1,040 a month) without spending more than 30% of your income, you would need to earn $20.00 an hour working full time.

HUD fair market rent for all of Carter 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 $762 $14.65 $30,480
1 bedroom $836 $16.08 $33,440
2 bedrooms $1,040 $20.00 $41,600
3 bedrooms $1,318 $25.35 $52,720
4 bedrooms $1,548 $29.77 $61,920

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 Lone Grove

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lone Grove has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,080 in 73443 to $1,090 in 73401.

2 of the 2 are above the fair market rent for Carter County ($1,040).

  • 73401 $1,090$1,380
  • 73443 $1,080$1,370

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lone Grove 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 Lone Grove

HUD lists one building with rents for lower incomes in Lone Grove.

  • Lone Terrace 501 Newport RD, Lone Grove 73443 31 low-income homes · In service since 2004 · For families

See all 15 buildings in Carter County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lone Grove

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Lone Grove

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

The HUD-approved agencies closest to the center of Lone Grove, 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 · 54 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 · 89 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 · 94 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 Lone Grove

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 Lone Grove

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

All housing agencies in Oklahoma Source: HUD

Cities

Other cities in Carter County

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

Everything about Carter County Housing in Oklahoma

Nearby cities

The cities closest to Lone Grove, with the typical home value.

Neighboring counties

If Carter 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 Lone Grove.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Lone Grove

Short answers with the numbers for Lone Grove and all of Carter 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 Lone Grove?

The typical home value in Lone Grove is $204,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Carter County it is $168,500.

How much does it cost to rent in Lone Grove?

Typical rent in Lone Grove is $875 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Carter County is $1,040.

What is the FHA loan limit in Lone Grove?

Lone Grove uses the FHA limit for all of Carter 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 Lone Grove?

The typical homeowner in Lone Grove pays $1,621 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Carter County, the rate is 0.74%.

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

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