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City · 7,493 residents · Cleveland County, Oklahoma

Noble , Oklahoma

In Noble, a typical home is worth $190,200 and typical rent is $1,038 a month. Compared with all of Cleveland County, the typical home value is 19% lower, typical rent is 11% lower, and the share of households that own their home is 7 points higher.

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  • Typical home value

    $190,200

    19% below the county

    5% below Oklahoma

    • Noble
    • Cleveland
    • Oklahoma

  • Typical rent

    $1,038a month

    11% below the county

    2% above Oklahoma

    • Noble
    • Cleveland
    • Oklahoma

  • Typical household income

    $81,739a year

    6% above the county

    26% above Oklahoma

    • Noble
    • Cleveland
    • Oklahoma

  • Households that own their home

    71%

    7 points above the county

    5 points above Oklahoma

    • Noble
    • Cleveland
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$205,830
about the same as 12 months ago
Typical rent
$1,393 a month

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

Noble is in Cleveland 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 Cleveland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Noble apart

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

  1. Noble has the 3rd largest share of rent-burdened renters of the 70 cities in Oklahoma with more than 5,000 people (59%).

  2. Nearby, in Purcell, the typical rent is $868: 16% less than in Noble ($1,038).

  3. The typical home in Noble is worth $190,200, 19% less than in Cleveland County as a whole ($235,700).

  4. 71% of households in Noble own their home, against 64% in Cleveland County.

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

The homes here

Housing in Noble

What homes there are in Noble, 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

In Noble, 8 in 10 homes are single-family detached houses; in Cleveland County, 7.

Year built

In Noble, half of the homes were built before 1990; in Cleveland County, before 1990.

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

$1,446 a month

Cleveland County: $1,680 a month

Without a mortgage

$533 a month

Cleveland County: $643 a month

Owners with a mortgage

57%

Cleveland County: 60%

The typical cost for an owner with a mortgage in Noble is $1,446 a month, less than in Cleveland County ($1,680); without one, $533.

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 Noble rose 57% since 2015–2019, more than in Cleveland County (42%).

Since 2015–2019, the typical rent in Noble 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

MeasureNobleCleveland CountyOklahomaUnited States
Rental vacancy Unreliable estimate5.2%6.5%5.5%
Homeowner vacancy Unreliable estimate0.9%1.2%0.9%
More than one person per room Unreliable estimate2.7%2.9%3.4%
People per household 2.322.462.502.53
Drive alone 86%75%77%69%
Carpool 7%10%10%9%
Public transit Unreliable estimate0%0%3%
Walk or bike Unreliable estimate3%2%3%
Work from home Unreliable estimate11%9%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutesUnreliable estimate20 to 29 minutes

On average, a household in Noble has 2.32 people, fewer than in Cleveland County (2.46).

In Noble, 86% of workers drive alone to work; in Cleveland County, 75%.

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 Noble?

A typical home is within reach of the typical income

We start with a typical home in Noble, worth $190,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Noble, which is $81,739 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Noble. 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 $6,657 (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

$1,565

at 7.18% · 30 years

Loan amount
$186,755
Total interest
$268,697
Paid off in
November 2056

Includes $3,212 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,907 a month

    Your payment · 23%

  • Tight

    $1,907 to $2,452 a month

  • Hard

    more than $2,452 a month

Compared with the typical household income in Noble ($81,739 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,565
Principal & interest$1,265
Property tax$136
Home insurance$79
FHA mortgage insurance (MIP)$84

You need at least $6,657 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

Noble and Cleveland County

Noble is in Cleveland 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).

Noble's own numbers

Typical home value
$190,200
Typical monthly rent
$1,038
Typical yearly household income
$81,739
Households that own their home
71%
Effective property tax rate
0.86%

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

Numbers for all of Cleveland 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)
+45%
Homes in a high flood-risk zone
1.6%

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 Cleveland County.

Everything about Cleveland County

Buying

Buying a home in Noble

A typical home in Noble is worth $190,200: 19% below the county and 5% below Oklahoma. With the typical household income in Noble ($81,739 a year), a typical home costs 2.3 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.

  • Noble 2.3 years
  • Cleveland 3.1 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cleveland County

According to FHFA’s house price index, home prices in Cleveland County rose 70% in the 10 years through 2025.

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

Period County Oklahoma U.S.
Last year (2025) +0.9% +2.6% +2.9%
5 years (2020–2025) +45% +46% +47%
10 years (2015–2025) +70% +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

Noble next to Cleveland 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
  • Noble $190,200
  • Cleveland $235,700
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Noble $1,038
  • Cleveland $1,167
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Noble $81,739
  • Cleveland $77,068
  • Oklahoma $65,039
  • United States $80,734
See the full table
Noble next to Cleveland County and Oklahoma
Measure Noble Cleveland County Oklahoma U.S.
Typical home value $190,200 $235,700 $199,800 $332,700
Typical monthly rent $1,038 $1,167 $1,014 $1,413
Typical yearly household income $81,739 $77,068 $65,039 $80,734
Households that own their home 71% 64% 66% 65%
Typical yearly property tax $1,641 $2,360 $1,599 $3,119
Effective property tax rate 0.86% 1% 0.8% 0.94%
Renters with high rent for their income 59% 48% 46% 51%

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

For a typical $190,200 home in Noble, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Noble's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,565a month

    Least cash to close
    Down payment
    $6,657
    Cash to close
    $12,363
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $84

  • Conventional, 5% down $1,530a month

    Down payment
    $9,510
    Cash to close
    $15,216
    Rate
    7.18%
    Mortgage insurance
    PMI · $90

  • Conventional, 20% down, no PMI $1,246a month

    Down payment
    $38,040
    Cash to close
    $43,746
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,422a month

    Down payment
    $28,530
    Cash to close
    $34,236
    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 Noble and for Cleveland County.

Property tax

Effective rate in Noble

0.86%of the home’s value each year

$1,641 a year for the typical owner in Noble.

  • Noble 0.86%
  • Cleveland 1%
  • 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 Cleveland County

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

Homes in the high-risk zone
1.6%
1,574
Of those, with NFIP insurance
17%
County Oklahoma U.S.
Homes in the high-risk zone 1.6% 2.2% 3.5%
Of those, with NFIP insurance 17% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Noble

Typical rent in Noble is $1,038 a month: 11% below the county. In Noble, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cleveland 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.

HUD fair market rent for all of Cleveland 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 $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 Noble

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Noble is in ZIP code 73068.

For 2 bedrooms it is $1,210: $54 less than the fair market rent for Cleveland County ($1,264).

  • 73068 $1,210$1,640

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

HUD lists 3 buildings with rents for lower incomes in Noble. These are the largest.

  • Southwind Senior Village 601 S 8th St, Noble 73068 29 low-income homes · For older adults (405) 872-0700
  • Rose Rock Cottages 1014 Rose Rock Ln, Noble 73068 36 homes, 28 low-income · 1 bd: 10 · 2 bd: 28 · In service since 2014 · For older adults
  • Noble Senior Citizen HSNG. Auth.,inc 606 E Maguire Rd, Noble 73068 26 homes, 25 low-income · For older adults (405) 872-9442

See all 27 buildings in Cleveland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Noble

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Noble

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

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

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

    319 SW 25th St, Oklahoma City · 23 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 · 28 miles away · Spanish

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

  • Chickasaw Nation Division of Housing

    111 Rosedale Rd, Ada · 46 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 Noble

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 Noble

In HUD’s record, no housing authority with an office in Cleveland County is named for Noble or Cleveland County.

One other authority has an office in Cleveland County: see the list Source: HUD

Cities

Other cities in Cleveland County

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

Everything about Cleveland County Housing in Oklahoma

Nearby cities

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

Neighboring counties

If Cleveland 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 Noble.

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

Questions

Housing questions about Noble

Short answers with the numbers for Noble and all of Cleveland 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 Noble?

The typical home value in Noble is $190,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cleveland County it is $235,700.

How much does it cost to rent in Noble?

Typical rent in Noble is $1,038 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cleveland County is $1,264.

What is the FHA loan limit in Noble?

Noble uses the FHA limit for all of Cleveland 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 Noble?

The typical homeowner in Noble pays $1,641 a year, according to the U.S. Census Bureau. That is 0.86% of the home’s value; in Cleveland County, the rate is 1%.

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

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