City · 18,111 residents · Pittsburg County, Oklahoma
McAlester, Oklahoma
In McAlester, a typical home is worth $151,600 and typical rent is $915 a month. Compared with all of Pittsburg County, typical rent is 6% higher, typical household income is 6% lower, and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $124,649 to $155,910.
Typical rent
$1,495a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
McAlester is in Pittsburg 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 Pittsburg County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Henryetta, the typical home value is $88,600: 42% less than in McAlester ($151,600).
2
Nearby, in Holdenville, the typical rent is $665: 27% less than in McAlester ($915).
3
59% of households in McAlester own their home, against 71% in Pittsburg County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in McAlester
What homes there are in McAlester, 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
McAlester
Pittsburg County
Oklahoma
United States
Kind of home: McAlester and its comparisons
Measure
McAlester
Pittsburg County
Oklahoma
United States
Detached house
80%
77%
73%
61%
Attached house
Unreliable estimate
1%
2%
6%
Building of 2 to 4
6%
4%
5%
8%
Apartments (5 or more)
10%
4%
12%
19%
Mobile home
Unreliable estimate
13%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 80% of homes here, against 77% in Pittsburg County.
Year built
Before 19601960–19791980–19992000–20092010 or later
McAlester
Pittsburg County
Oklahoma
United States
Year built: McAlester and its comparisons
Measure
McAlester
Pittsburg County
Oklahoma
United States
Before 1960
35%
22%
21%
26%
1960–1979
29%
31%
28%
24%
1980–1999
18%
24%
24%
25%
2000–2009
10%
13%
13%
14%
2010 or later
8%
10%
13%
11%
The typical home in McAlester was built in 1971, 8 years before the typical one in Pittsburg County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K25%
$100K–$200K42%
$200K–$300K23%
$300K–$500K5%
$500K–$750K3%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: McAlester and its comparisons
Measure
McAlester
Under $100K
25%
$100K–$200K
42%
$200K–$300K
23%
$300K–$500K
5%
$500K–$750K
3%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
About 97% of owner-occupied homes in McAlester are worth less than the FHA loan limit for Pittsburg County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50019%
$500–$99945%
HUD fair market rent, 2 bedrooms: $916
$1,000–$1,49933%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: McAlester and its comparisons
Measure
McAlester
Under $500
19%
$500–$999
45%
$1,000–$1,499
33%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
About 56% of rented homes in McAlester cost less than HUD's 2-bedroom fair market rent for Pittsburg County ($916); the rest cost more.
With a mortgage
$1,248 a month
Pittsburg County: $1,253 a month
Without a mortgage
$426 a month
Pittsburg County: $444 a month
Owners with a mortgage
57%
Pittsburg County: 46%
The typical cost for an owner with a mortgage in McAlester is $1,248 a month, near the figure in Pittsburg County ($1,253).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
McAlester+49%
Pittsburg County+47%
Oklahoma+46%
United States+53%
Typical rent
McAlester+25%
Pittsburg County+20%
Oklahoma+25%
United States+33%
Typical household income
McAlester+18%
Pittsburg County+18%
Oklahoma+23%
United States+29%
Change since 2015–2019: McAlester and its comparisons
Measure
McAlester
Pittsburg County
Oklahoma
United States
Typical home value
+49%
+47%
+46%
+53%
Typical rent
+25%
+20%
+25%
+33%
Typical household income
+18%
+18%
+23%
+29%
Much as in Pittsburg County, the typical home value in McAlester rose 49% since 2015–2019.
Since 2015–2019, the typical rent in McAlester rose 25%, more than in Pittsburg County (20%).
The typical household income in McAlester rose 18%: less than home values (+49%) and rent (+25%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: McAlester and its comparisons
Measure
McAlester
Pittsburg County
Oklahoma
United States
Rental vacancy
5.7%
4.7%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
1.5%
1.2%
0.9%
More than one person per room
Unreliable estimate
1.8%
2.9%
3.4%
People per household
2.23
2.32
2.50
2.53
Drive alone
82%
83%
77%
69%
Carpool
9%
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
6%
7%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
In McAlester, the rental vacancy rate is 5.7%; in Pittsburg County, 4.7%.
A household in McAlester has 2.23 people on average, about the same as in Pittsburg County (2.32).
In McAlester, 82% of workers drive alone to work; in Pittsburg County, 83%.
Do the math
What would you pay each month for a home in McAlester?
A typical home is tight for the typical income
We start with a typical home in McAlester, worth $151,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in McAlester, which is $51,930 a year. For that payment to be 28% of income, a household would need to earn about $52,479 a year.
The calculator's FHA and conventional loan limits are those of all of Pittsburg 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 McAlester. 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 $5,306 (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
$1,225
at 7.18% · 30 years
Loan amount
$148,854
Total interest
$214,166
Paid off in
November 2056
Includes $2,560 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,212 a month
Tight
$1,212 to $1,558 a month
Your payment · 28%
Hard
more than $1,558 a month
Compared with the typical household income in McAlester ($51,930 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,008
Property tax
$86
Home insurance
$63
FHA mortgage insurance (MIP)
$67
You need at least $5,306 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 $1,225; principal and interest $1,008.
The city and its county
McAlester and Pittsburg County
McAlester is in Pittsburg 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).
McAlester
Map of Pittsburg County, Oklahoma, with McAlester marked. Around it, the neighboring counties.
McAlester
Pittsburg County
Other cities with a page
McAlester's own numbers
Typical home value
$151,600
Typical monthly rent
$915
Typical yearly household income
$51,930
Households that own their home
59%
Effective property tax rate
0.68%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Pittsburg 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)
+36%
Homes in a high flood-risk zone
2.2%
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 Pittsburg County.
A typical home in McAlester is worth $151,600: 3% below the county and 24% below Oklahoma. With the typical household income in McAlester ($51,930 a year), a typical home costs 2.9 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.
McAlester2.9 years
Pittsburg2.8 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Pittsburg County
According to FHFA’s house price index, home prices in Pittsburg County rose 52% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Pittsburg County.
Yearly change in FHFA’s price index in Pittsburg County, 2016 to 2025
2016: +1.9% +1.9% 2016
2017: +0.9% +0.9% 2017
2018: +1.8% +1.8% 2018
2019: +2.3% +2.3% 2019
2020: +3.9% +3.9% 2020
2021: +5.6% +5.6% 2021
2022: +11.4% +11.4% 2022
2023: +12.2% +12.2% 2023
2024: +4.0% +4.0% 2024
2025: −0.8% −0.8% 2025
Change in FHFA’s price index in Pittsburg County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
−0.8%
+2.6%
+2.9%
5 years (2020–2025)
+36%
+46%
+47%
10 years (2015–2025)
+52%
+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
McAlester next to Pittsburg 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
McAlester$151,600
Pittsburg$156,900
Oklahoma$199,800
United States$332,700
Typical monthly rent
McAlester$915
Pittsburg$860
Oklahoma$1,014
United States$1,413
Typical yearly household income
McAlester$51,930
Pittsburg$55,310
Oklahoma$65,039
United States$80,734
See the full table
McAlester next to Pittsburg County and Oklahoma
Measure
McAlester
Pittsburg County
Oklahoma
U.S.
Typical home value
$151,600 ▼3% below the county
$156,900
$199,800
$332,700
Typical monthly rent
$915 ▲6% above the county
$860
$1,014
$1,413
Typical yearly household income
$51,930 ▼6% below the county
$55,310
$65,039
$80,734
Households that own their home
59% ▼13 points below the county
71%
66%
65%
Typical yearly property tax
$1,027 ▲30% above the county
$788
$1,599
$3,119
Effective property tax rate
0.68% ▲0.18 points above the county
0.5%
0.8%
0.94%
Renters with high rent for their income
48% ▼1 points below the county
50%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pittsburg 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 McAlester
For a typical $151,600 home in McAlester, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, McAlester's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,225a month
Least cash to close
Down payment
$5,306
Cash to close
$9,854
Rate
7.18%
Mortgage insurance
FHA MIP · $67
Conventional, 5% down$1,197a month
Down payment
$7,580
Cash to close
$12,128
Rate
7.18%
Mortgage insurance
PMI · $72
Conventional, 20% down, no PMI$971a month
Down payment
$30,320
Cash to close
$34,868
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,111a month
Down payment
$22,740
Cash to close
$27,288
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in McAlester
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,225
$5,306
$148,854
7.18%
FHA MIP · $67
$9,854
580
Conventional, 5% down
$1,197
$7,580
$144,020
7.18%
PMI · $72
$12,128
620*
Conventional, 20% down, no PMI
$971
$30,320
$121,280
7.18%
None
$34,868
620*
ITIN, 15% down (example)
$1,111
$22,740
$128,860
8.18%
None
$27,288
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 McAlester is $915 a month: 6% above the county. In McAlester, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Pittsburg 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 Pittsburg County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$638
$12.27
$25,520
1 bedroom
$763
$14.67
$30,520
2 bedrooms
$916
$17.62
$36,640
3 bedrooms
$1,248
$24.00
$49,920
4 bedrooms
$1,531
$29.44
$61,240
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 McAlester
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). McAlester is in ZIP code 74501.
For 2 bedrooms it is $950: $34 more than the fair market rent for Pittsburg County ($916).
Fair market rent by ZIP code and size in McAlester, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
74501
$660
$790
$950
$1,290
$1,590
ZIP code2 bd3 bd
74501 $950$1,290
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for McAlester 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 16 buildings with rents for lower incomes in McAlester. These are the largest.
Rental801 E Monroe Ave, McAlester 74501125 low-income homes · Run by Housing Authority of the City of McAlester · Average payment: $333 a month · Average wait: 4 months(918) 423-3345
Park Place Apts511 W Park Ave, McAlester 74501120 low-income homes · 1 bd: 20 · 2 bd: 60 · 3 bd: 30 · 4 bd: 10 · In service since 2009
Park Place Apartments516 W Park Ave, McAlester 74501121 homes, 119 low-income · For families(918) 423-2944
Mcalester Plaza15 E Washington St, McAlester 74501100 low-income homes · For families(918) 423-4590
Rental1300 E Chickasaw Ave, McAlester 7450186 low-income homes · Run by Housing Authority of the City of McAlester · Average payment: $418 a month · Average wait: 4 months · Homes at several sites(918) 423-3345
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 Pittsburg County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for McAlester or Pittsburg County. The ones below are statewide in Oklahoma: they work in McAlester 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 McAlester or Pittsburg 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 McAlester and all of Pittsburg 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 McAlester?
The typical home value in McAlester is $151,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pittsburg County it is $156,900.
How much does it cost to rent in McAlester?
Typical rent in McAlester is $915 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pittsburg County is $916.
What is the FHA loan limit in McAlester?
McAlester uses the FHA limit for all of Pittsburg 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 McAlester?
The typical homeowner in McAlester pays $1,027 a year, according to the U.S. Census Bureau. That is 0.68% of the home’s value; in Pittsburg County, the rate is 0.5%.
Where can I find free help to buy or rent in McAlester?
We found no HUD-approved counseling agencies with an office in Pittsburg County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
