City · 58,297 residents · Oklahoma County, Oklahoma
Midwest City, Oklahoma
In Midwest City, a typical home is worth $164,500 and typical rent is $1,091 a month. Compared with all of Oklahoma County, the typical home value is 26% lower and typical household income is 14% lower.
Typical home value from Zillow, September 2021 to September 2026: from $135,695 to $167,890.
Typical rent
$1,245a month
▲ 2.5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $992 to $1,245.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Midwest City is in Oklahoma 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 Oklahoma County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Del City, the typical home value is $126,800: 23% less than in Midwest City ($164,500).
2
The typical home in Midwest City is worth $164,500,26% less than in Oklahoma County as a whole ($222,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Midwest City
What homes there are in Midwest City, 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
Midwest City
Oklahoma County
Oklahoma
United States
Kind of home: Midwest City and its comparisons
Measure
Midwest City
Oklahoma County
Oklahoma
United States
Detached house
75%
69%
73%
61%
Attached house
3%
4%
2%
6%
Building of 2 to 4
3%
6%
5%
8%
Apartments (5 or more)
17%
19%
12%
19%
Mobile home
2%
3%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Midwest City: 75% of homes, more than in Oklahoma County (69%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Midwest City
Oklahoma County
Oklahoma
United States
Year built: Midwest City and its comparisons
Measure
Midwest City
Oklahoma County
Oklahoma
United States
Before 1960
26%
24%
21%
26%
1960–1979
33%
30%
28%
24%
1980–1999
23%
22%
24%
25%
2000–2009
10%
12%
13%
14%
2010 or later
8%
13%
13%
11%
By age, homes in Midwest City look like those in Oklahoma County: the typical year built is 1975.
In Midwest City, 66% of homes have 3 bedrooms or more, more than in Oklahoma County (61%).
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 $100K22%
$100K–$200K40%
$200K–$300K26%
$300K–$500K9%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Midwest City and its comparisons
Measure
Midwest City
Under $100K
22%
$100K–$200K
40%
$200K–$300K
26%
$300K–$500K
9%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 98% of owner-occupied homes in Midwest City are worth less than $500,000, below the FHA loan limit for Oklahoma County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99935%
$1,000–$1,49944%
$1,500–$1,99913%
$2,000–$2,4993%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Midwest City and its comparisons
Measure
Midwest City
Under $500
Unreliable estimate
$500–$999
35%
$1,000–$1,499
44%
$1,500–$1,999
13%
$2,000–$2,499
3%
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,360 a month
Oklahoma County: $1,678 a month
Without a mortgage
$501 a month
Oklahoma County: $601 a month
Owners with a mortgage
59%
Oklahoma County: 59%
Owning costs less in Midwest City: with a mortgage, the typical cost is $1,360 a month; in Oklahoma County, $1,678. Without one, $501.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Midwest City+45%
Oklahoma County+45%
Oklahoma+46%
United States+53%
Typical rent
Midwest City+26%
Oklahoma County+28%
Oklahoma+25%
United States+33%
Typical household income
Midwest City+15%
Oklahoma County+22%
Oklahoma+23%
United States+29%
Change since 2015–2019: Midwest City and its comparisons
Measure
Midwest City
Oklahoma County
Oklahoma
United States
Typical home value
+45%
+45%
+46%
+53%
Typical rent
+26%
+28%
+25%
+33%
Typical household income
+15%
+22%
+23%
+29%
Much as in Oklahoma County, the typical home value in Midwest City rose 45% since 2015–2019.
Much as in Oklahoma County, the typical rent in Midwest City rose 26% since 2015–2019.
The typical household income in Midwest City rose 15%: less than home values (+45%) and rent (+26%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Midwest City and its comparisons
Measure
Midwest City
Oklahoma County
Oklahoma
United States
Rental vacancy
5.9%
7.6%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
1.2%
0.9%
More than one person per room
2.1%
2.8%
2.9%
3.4%
People per household
2.32
2.41
2.50
2.53
Drive alone
76%
76%
77%
69%
Carpool
11%
10%
10%
9%
Public transit
Unreliable estimate
0%
0%
3%
Walk or bike
2%
2%
2%
3%
Work from home
11%
11%
9%
15%
Other means
1%
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
The rental vacancy rate in Midwest City is 5.9%, lower than in Oklahoma County (7.6%).
In Midwest City, 2.1% of households live with more than one person per room, about the same as in Oklahoma County.
Much as in Oklahoma County, a household in Midwest City has 2.32 people on average.
The car rules in Midwest City: 76% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Midwest City?
A typical home is tight for the typical income
We start with a typical home in Midwest City, worth $164,500, 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 Midwest City, which is $57,520 a year. For that payment to be 28% of income, a household would need to earn about $58,296 a year.
The calculator's FHA and conventional loan limits are those of all of Oklahoma 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 Midwest City. 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 $5,758 (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
$1,360
at 7.18% · 30 years
Loan amount
$161,520
Total interest
$232,389
Paid off in
November 2056
Includes $2,778 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,342 a month
Tight
$1,342 to $1,726 a month
Your payment · 28%
Hard
more than $1,726 a month
Compared with the typical household income in Midwest City ($57,520 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,094
Property tax
$125
Home insurance
$69
FHA mortgage insurance (MIP)
$73
You need at least $5,758 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 $1,360; principal and interest $1,094.
The city and its county
Midwest City and Oklahoma County
Midwest City is in Oklahoma 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).
Midwest City
Map of Oklahoma County, Oklahoma, with Midwest City marked. Around it, the neighboring counties.
Midwest City
Oklahoma County
Other cities with a page
Midwest City's own numbers
Typical home value
$164,500
Typical monthly rent
$1,091
Typical yearly household income
$57,520
Households that own their home
58%
Effective property tax rate
0.91%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Oklahoma County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,264
Price change over 5 years (FHFA)
+41%
Homes in a high flood-risk zone
1.3%
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 Oklahoma County.
A typical home in Midwest City is worth $164,500: 26% below the county and 18% below Oklahoma. With the typical household income in Midwest City ($57,520 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.
Midwest City2.9 years
Oklahoma3.3 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Oklahoma County
According to FHFA’s house price index, home prices in Oklahoma County rose 72% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Oklahoma County.
Yearly change in FHFA’s price index in Oklahoma County, 2016 to 2025
2016: +3.7% +3.7% 2016
2017: +3.3% +3.3% 2017
2018: +3.8% +3.8% 2018
2019: +4.5% +4.5% 2019
2020: +4.5% +4.5% 2020
2021: +9.9% +9.9% 2021
2022: +14.7% +14.7% 2022
2023: +5.9% +5.9% 2023
2024: +4.5% +4.5% 2024
2025: +1.2% +1.2% 2025
Change in FHFA’s price index in Oklahoma County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+1.2%
+2.6%
+2.9%
5 years (2020–2025)
+41%
+46%
+47%
10 years (2015–2025)
+72%
+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
Midwest City next to Oklahoma 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
Midwest City$164,500
Oklahoma$222,900
Oklahoma$199,800
United States$332,700
Typical monthly rent
Midwest City$1,091
Oklahoma$1,116
Oklahoma$1,014
United States$1,413
Typical yearly household income
Midwest City$57,520
Oklahoma$66,679
Oklahoma$65,039
United States$80,734
See the full table
Midwest City next to Oklahoma County and Oklahoma
Measure
Midwest City
Oklahoma County
Oklahoma
U.S.
Typical home value
$164,500 ▼26% below the county
$222,900
$199,800
$332,700
Typical monthly rent
$1,091 ▼2% below the county
$1,116
$1,014
$1,413
Typical yearly household income
$57,520 ▼14% below the county
$66,679
$65,039
$80,734
Households that own their home
58%
58%
66%
65%
Typical yearly property tax
$1,500 ▼30% below the county
$2,155
$1,599
$3,119
Effective property tax rate
0.91% ▼0.06 points below the county
0.97%
0.8%
0.94%
Renters with high rent for their income
48% ▼2 points below the county
49%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Oklahoma 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 Midwest City
For a typical $164,500 home in Midwest City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Midwest City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,360a month
Least cash to close
Down payment
$5,758
Cash to close
$10,693
Rate
7.18%
Mortgage insurance
FHA MIP · $73
Conventional, 5% down$1,330a month
Down payment
$8,225
Cash to close
$13,160
Rate
7.18%
Mortgage insurance
PMI · $78
Conventional, 20% down, no PMI$1,085a month
Down payment
$32,900
Cash to close
$37,835
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,237a month
Down payment
$24,675
Cash to close
$29,610
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Midwest City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,360
$5,758
$161,520
7.18%
FHA MIP · $73
$10,693
580
Conventional, 5% down
$1,330
$8,225
$156,275
7.18%
PMI · $78
$13,160
620*
Conventional, 20% down, no PMI
$1,085
$32,900
$131,600
7.18%
None
$37,835
620*
ITIN, 15% down (example)
$1,237
$24,675
$139,825
8.18%
None
$29,610
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 Midwest City is $1,091 a month: 2% below the county. In Midwest City, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Oklahoma County, by unit size. To pay the 2-bedroom one ($1,264 a month) without spending more than 30% of your income, you would need to earn $24.31 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 Oklahoma County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$958
$18.42
$38,320
1 bedroom
$1,040
$20.00
$41,600
2 bedrooms
$1,264
$24.31
$50,560
3 bedrooms
$1,713
$32.94
$68,520
4 bedrooms
$1,923
$36.98
$76,920
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 Midwest City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Midwest City has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,180 in 73110 to $1,330 in 73130.
1 of the 2 is above the fair market rent for Oklahoma County ($1,264).
Fair market rent by ZIP code and size in Midwest City, fiscal year 2027.
73110
$890
$970
$1,180
$1,600
$1,790
73130
$1,010
$1,090
$1,330
$1,800
$2,020
ZIP code2 bd3 bd
73110 $1,180$1,600
73130 $1,330$1,800
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Midwest City 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)
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 are 2 HUD-approved agencies with an office in Oklahoma County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Midwest City or Oklahoma County. The ones below are statewide in Oklahoma: they work in Midwest City 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).
The HUD-approved agencies closest to the center of Midwest City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
CA
Community Action Agency of Oklahoma City and Oklahoma/Canadian Counties, Inc.
No legal help resource on our list is for Midwest City or Oklahoma 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 Midwest City and all of Oklahoma 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 Midwest City?
The typical home value in Midwest City is $164,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Oklahoma County it is $222,900.
How much does it cost to rent in Midwest City?
Typical rent in Midwest City is $1,091 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Oklahoma County is $1,264.
What is the FHA loan limit in Midwest City?
Midwest City uses the FHA limit for all of Oklahoma 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 Midwest City?
The typical homeowner in Midwest City pays $1,500 a year, according to the U.S. Census Bureau. That is 0.91% of the home’s value; in Oklahoma County, the rate is 0.97%.
Where can I find free help to buy or rent in Midwest City?
There are 2 HUD-approved counseling agencies with an office in Oklahoma County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
