City · 36,758 residents · Muskogee County, Oklahoma
Muskogee, Oklahoma
In Muskogee, a typical home is worth $146,100 and typical rent is $858 a month. Compared with all of Muskogee County, typical household income is 6% lower and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $111,688 to $139,272.
Typical rent
$1,031a month
▲ 9.5% more than 12 months ago
Typical rent from Zillow, December 2022 to September 2026: from $780 to $1,031.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Muskogee is in Muskogee 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 Muskogee County. See the county
What this place has that others do not, from public data, most unusual first.
1
55% of households in Muskogee own their home, against 67% in Muskogee County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Muskogee
What homes there are in Muskogee, 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
Muskogee
Muskogee County
Oklahoma
United States
Kind of home: Muskogee and its comparisons
Measure
Muskogee
Muskogee County
Oklahoma
United States
Detached house
74%
74%
73%
61%
Attached house
3%
2%
2%
6%
Building of 2 to 4
6%
5%
5%
8%
Apartments (5 or more)
15%
9%
12%
19%
Mobile home
3%
10%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Muskogee County, most homes in Muskogee are detached houses (74%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Muskogee
Muskogee County
Oklahoma
United States
Year built: Muskogee and its comparisons
Measure
Muskogee
Muskogee County
Oklahoma
United States
Before 1960
36%
26%
21%
26%
1960–1979
29%
29%
28%
24%
1980–1999
23%
26%
24%
25%
2000–2009
8%
11%
13%
14%
2010 or later
4%
8%
13%
11%
The typical home in Muskogee was built in 1972, 6 years before the typical one in Muskogee 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 $100K33%
$100K–$200K39%
$200K–$300K19%
$300K–$500K7%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Muskogee and its comparisons
Measure
Muskogee
Under $100K
33%
$100K–$200K
39%
$200K–$300K
19%
$300K–$500K
7%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA limit for Muskogee County is high ($541,287): at least 98% of owner-occupied homes in Muskogee are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50013%
$500–$99960%
HUD fair market rent, 2 bedrooms: $949
$1,000–$1,49925%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Muskogee and its comparisons
Measure
Muskogee
Under $500
13%
$500–$999
60%
$1,000–$1,499
25%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 67% of rented homes in Muskogee cost less than HUD's 2-bedroom fair market rent for Muskogee County ($949).
With a mortgage
$1,191 a month
Muskogee County: $1,270 a month
Without a mortgage
$446 a month
Muskogee County: $440 a month
Owners with a mortgage
52%
Muskogee County: 51%
The typical cost for an owner with a mortgage in Muskogee is $1,191 a month, less than in Muskogee County ($1,270); without one, $446.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Muskogee+58%
Muskogee County+47%
Oklahoma+46%
United States+53%
Typical rent
Muskogee+25%
Muskogee County+25%
Oklahoma+25%
United States+33%
Typical household income
Muskogee+32%
Muskogee County+25%
Oklahoma+23%
United States+29%
Change since 2015–2019: Muskogee and its comparisons
Measure
Muskogee
Muskogee County
Oklahoma
United States
Typical home value
+58%
+47%
+46%
+53%
Typical rent
+25%
+25%
+25%
+33%
Typical household income
+32%
+25%
+23%
+29%
The typical home value in Muskogee rose 58% since 2015–2019, more than in Muskogee County (47%).
The typical rent in Muskogee rose 25% since 2015–2019, about the same as in Muskogee County (25%).
To compare: typical income in Muskogee rose 32%; the home, +58%; the rent, +25%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Muskogee and its comparisons
Measure
Muskogee
Muskogee County
Oklahoma
United States
Rental vacancy
6.3%
5.9%
6.5%
5.5%
Homeowner vacancy
1.3%
1.1%
1.2%
0.9%
More than one person per room
4.6%
3.5%
2.9%
3.4%
People per household
2.39
2.43
2.50
2.53
Drive alone
80%
80%
77%
69%
Carpool
8%
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
2%
2%
2%
3%
Work from home
8%
8%
9%
15%
Other means
2%
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
Much as in Muskogee County, the rental vacancy rate in Muskogee is 6.3%.
In Muskogee, 4.6% of households live with more than one person per room, against 3.5% in Muskogee County.
Much as in Muskogee County, a household in Muskogee has 2.39 people on average.
To get to work, 80% of workers in Muskogee drive alone; in Muskogee County, 80%.
Do the math
What would you pay each month for a home in Muskogee?
A typical home is tight for the typical income
We start with a typical home in Muskogee, worth $146,100, 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 Muskogee, which is $50,213 a year. For that payment to be 28% of income, a household would need to earn about $50,784 a year.
The calculator's FHA and conventional loan limits are those of all of Muskogee 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 Muskogee. 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 $5,114 (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
$1,185
at 7.18% · 30 years
Loan amount
$143,453
Total interest
$206,396
Paid off in
November 2056
Includes $2,467 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,172 a month
Tight
$1,172 to $1,506 a month
Your payment · 28%
Hard
more than $1,506 a month
Compared with the typical household income in Muskogee ($50,213 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$972
Property tax
$88
Home insurance
$61
FHA mortgage insurance (MIP)
$65
You need at least $5,114 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 $1,185; principal and interest $972.
The city and its county
Muskogee and Muskogee County
Muskogee is in Muskogee 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).
Muskogee
Map of Muskogee County, Oklahoma, with Muskogee marked. Around it, the neighboring counties.
Muskogee
Muskogee County
Other cities with a page
Muskogee's own numbers
Typical home value
$146,100
Typical monthly rent
$858
Typical yearly household income
$50,213
Households that own their home
55%
Effective property tax rate
0.72%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Muskogee County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$949
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
2.9%
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 Muskogee County.
A typical home in Muskogee is worth $146,100: 5% below the county and 27% below Oklahoma. With the typical household income in Muskogee ($50,213 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.
Muskogee2.9 years
County2.9 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Muskogee County
According to FHFA’s house price index, home prices in Muskogee County rose 71% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Muskogee County.
Yearly change in FHFA’s price index in Muskogee County, 2016 to 2025
2016: +0.8% +0.8% 2016
2017: +4.8% +4.8% 2017
2018: −0.2% −0.2% 2018
2019: +3.6% +3.6% 2019
2020: +3.6% +3.6% 2020
2021: +10.6% +10.6% 2021
2022: +15.7% +15.7% 2022
2023: +12.4% +12.4% 2023
2024: +0.4% +0.4% 2024
2025: +4.9% +4.9% 2025
Change in FHFA’s price index in Muskogee County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+4.9%
+2.6%
+2.9%
5 years (2020–2025)
+52%
+46%
+47%
10 years (2015–2025)
+71%
+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
Muskogee next to Muskogee 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
Muskogee$146,100
County$153,200
Oklahoma$199,800
United States$332,700
Typical monthly rent
Muskogee$858
County$849
Oklahoma$1,014
United States$1,413
Typical yearly household income
Muskogee$50,213
County$53,619
Oklahoma$65,039
United States$80,734
See the full table
Muskogee next to Muskogee County and Oklahoma
Measure
Muskogee
Muskogee County
Oklahoma
U.S.
Typical home value
$146,100 ▼5% below the county
$153,200
$199,800
$332,700
Typical monthly rent
$858
$849
$1,014
$1,413
Typical yearly household income
$50,213 ▼6% below the county
$53,619
$65,039
$80,734
Households that own their home
55% ▼12 points below the county
67%
66%
65%
Typical yearly property tax
$1,047 ▲3% above the county
$1,021
$1,599
$3,119
Effective property tax rate
0.72% ▲0.05 points above the county
0.67%
0.8%
0.94%
Renters with high rent for their income
49%
49%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Muskogee 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 Muskogee
For a typical $146,100 home in Muskogee, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Muskogee's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,185a month
Least cash to close
Down payment
$5,114
Cash to close
$9,497
Rate
7.18%
Mortgage insurance
FHA MIP · $65
Conventional, 5% down$1,158a month
Down payment
$7,305
Cash to close
$11,688
Rate
7.18%
Mortgage insurance
PMI · $69
Conventional, 20% down, no PMI$940a month
Down payment
$29,220
Cash to close
$33,603
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,075a month
Down payment
$21,915
Cash to close
$26,298
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Muskogee
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,185
$5,114
$143,454
7.18%
FHA MIP · $65
$9,497
580
Conventional, 5% down
$1,158
$7,305
$138,795
7.18%
PMI · $69
$11,688
620*
Conventional, 20% down, no PMI
$940
$29,220
$116,880
7.18%
None
$33,603
620*
ITIN, 15% down (example)
$1,075
$21,915
$124,185
8.18%
None
$26,298
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 Muskogee is $858 a month: about the same as the county. In Muskogee, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Muskogee County, by unit size. To pay the 2-bedroom one ($949 a month) without spending more than 30% of your income, you would need to earn $18.25 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 Muskogee County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$721
$13.87
$28,840
1 bedroom
$725
$13.94
$29,000
2 bedrooms
$949
$18.25
$37,960
3 bedrooms
$1,195
$22.98
$47,800
4 bedrooms
$1,363
$26.21
$54,520
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 Muskogee
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Muskogee has 2 ZIP codes with their own.
For 2 bedrooms it is $960 in all of them.
2 of the 2 are above the fair market rent for Muskogee County ($949).
Fair market rent by ZIP code and size in Muskogee, fiscal year 2027.
74401
$730
$730
$960
$1,210
$1,380
74403
$730
$730
$960
$1,210
$1,410
ZIP code2 bd3 bd
74401 $960$1,210
74403 $960$1,210
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Muskogee 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 22 buildings with rents for lower incomes in Muskogee. These are the largest.
Green Country Village2000 N 36th St, Muskogee 74401200 low-income homes · Run by Housing Authority of the City of Muskogee · Average payment: $312 a month · Average wait: 12 months(918) 687-6301
Honor Heights Towers300 N 40th St, Muskogee 74401200 low-income homes · Run by Housing Authority of the City of Muskogee · Average payment: $298 a month · Average wait: 3 months(918) 687-6301
Fair Haven Manor Apartments500 Dayton St, Muskogee 74403191 low-income homes · For older adults(918) 682-4300
Austin Heights Apts2113 N Main St, Muskogee 7440172 low-income homes · 1 bd: 12 · 2 bd: 32 · 3 bd: 28 · In service since 2002
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 Muskogee 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 Muskogee or Muskogee County. The ones below are statewide in Oklahoma: they work in Muskogee 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 Muskogee or Muskogee 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 Muskogee and all of Muskogee 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 Muskogee?
The typical home value in Muskogee is $146,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Muskogee County it is $153,200.
How much does it cost to rent in Muskogee?
Typical rent in Muskogee is $858 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Muskogee County is $949.
What is the FHA loan limit in Muskogee?
Muskogee uses the FHA limit for all of Muskogee 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 Muskogee?
The typical homeowner in Muskogee pays $1,047 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Muskogee County, the rate is 0.67%.
Where can I find free help to buy or rent in Muskogee?
We found no HUD-approved counseling agencies with an office in Muskogee County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
