City · 129,672 residents · Cleveland County, Oklahoma
Norman, Oklahoma
In Norman, a typical home is worth $250,100 and typical rent is $1,090 a month. Compared with all of Cleveland County, typical household income is 12% lower, typical rent is 7% lower, and the share of households that own their home is 11 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $206,276 to $260,448.
Typical rent
$1,407a month
▲ 3.1% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,122 to $1,407.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Norman 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Midwest City, the typical home value is $164,500: 34% less than in Norman ($250,100).
2
Nearby, in Purcell, the typical rent is $868: 20% less than in Norman ($1,090).
3
53% of households in Norman own their home, against 64% in Cleveland County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Norman
What homes there are in Norman, 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
Norman
Cleveland County
Oklahoma
United States
Kind of home: Norman and its comparisons
Measure
Norman
Cleveland County
Oklahoma
United States
Detached house
62%
70%
73%
61%
Attached house
4%
3%
2%
6%
Building of 2 to 4
9%
6%
5%
8%
Apartments (5 or more)
22%
15%
12%
19%
Mobile home
3%
6%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Norman (62%), but less so than in Cleveland County (70%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Norman
Cleveland County
Oklahoma
United States
Year built: Norman and its comparisons
Measure
Norman
Cleveland County
Oklahoma
United States
Before 1960
12%
7%
21%
26%
1960–1979
26%
25%
28%
24%
1980–1999
28%
30%
24%
25%
2000–2009
17%
19%
13%
14%
2010 or later
17%
18%
13%
11%
The typical year built in Norman is 1988, about the same as in Cleveland County (1990).
Homes in Norman are smaller: 62% have 3 bedrooms or more; in Cleveland County, 71%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K6%
$100K–$200K24%
$200K–$300K34%
$300K–$500K27%
$500K–$750K7%
FHA limit: $541,287
$750K–$1M2%
$1M or more1%
Value of owner-occupied homes: Norman and its comparisons
Measure
Norman
Under $100K
6%
$100K–$200K
24%
$200K–$300K
34%
$300K–$500K
27%
$500K–$750K
7%
$750K–$1M
2%
$1M or more
1%
The FHA loan limit for Cleveland County is $541,287, and about 92% of owner-occupied homes in Norman are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5004%
$500–$99937%
$1,000–$1,49938%
HUD fair market rent, 2 bedrooms: $1,264
$1,500–$1,99912%
$2,000–$2,4994%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Norman and its comparisons
Measure
Norman
Under $500
4%
$500–$999
37%
$1,000–$1,499
38%
$1,500–$1,999
12%
$2,000–$2,499
4%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 61% of rented homes in Norman cost less than HUD's 2-bedroom fair market rent for Cleveland County ($1,264); the rest cost more.
With a mortgage
$1,720 a month
Cleveland County: $1,680 a month
Without a mortgage
$657 a month
Cleveland County: $643 a month
Owners with a mortgage
57%
Cleveland County: 60%
In Norman, 57% of owners have a mortgage; their typical cost is $1,720 a month, about the same as in Cleveland County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Norman+37%
Cleveland County+42%
Oklahoma+46%
United States+53%
Typical rent
Norman+24%
Cleveland County+26%
Oklahoma+25%
United States+33%
Typical household income
Norman+17%
Cleveland County+20%
Oklahoma+23%
United States+29%
Change since 2015–2019: Norman and its comparisons
Measure
Norman
Cleveland County
Oklahoma
United States
Typical home value
+37%
+42%
+46%
+53%
Typical rent
+24%
+26%
+25%
+33%
Typical household income
+17%
+20%
+23%
+29%
Homes in Norman gained value more slowly than in Cleveland County: 37% since 2015–2019, against 42%.
Much as in Cleveland County, the typical rent in Norman rose 24% since 2015–2019.
Housing prices ran ahead of income in Norman: typical income rose 17%, against +37% for home values and +24% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Norman and its comparisons
Measure
Norman
Cleveland County
Oklahoma
United States
Rental vacancy
5.5%
5.2%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
1.2%
0.9%
More than one person per room
2.6%
2.7%
2.9%
3.4%
People per household
2.30
2.46
2.50
2.53
Drive alone
72%
75%
77%
69%
Carpool
10%
10%
10%
9%
Public transit
1%
0%
0%
3%
Walk or bike
5%
3%
2%
3%
Work from home
12%
11%
9%
15%
Other means
1%
1%
1%
2%
Typical commute
10 to 19 minutes
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
Much as in Cleveland County, the rental vacancy rate in Norman is 5.5%.
In Norman, 2.6% of households live with more than one person per room, about the same as in Cleveland County.
Households in Norman are smaller: 2.30 people on average; in Cleveland County, 2.46.
To get to work, 72% of workers in Norman drive alone; in Cleveland County, 75%.
Do the math
What would you pay each month for a home in Norman?
A typical home costs more than the typical income allows
We start with a typical home in Norman, worth $250,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Norman, which is $67,704 a year. For that payment to be 28% of income, a household would need to earn about $89,346 a year.
The calculator's FHA and conventional loan limits are those of all of Cleveland 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 Norman. 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 $8,754 (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
$2,085
at 7.18% · 30 years
Loan amount
$245,570
Total interest
$353,317
Paid off in
November 2056
Includes $4,224 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,580 a month
Tight
$1,580 to $2,031 a month
Hard
more than $2,031 a month
Your payment · 37%
Compared with the typical household income in Norman ($67,704 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,664
Property tax
$206
Home insurance
$104
FHA mortgage insurance (MIP)
$111
You need at least $8,754 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 $2,085; principal and interest $1,664.
The city and its county
Norman and Cleveland County
Norman 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).
Norman
Map of Cleveland County, Oklahoma, with Norman marked. Around it, the neighboring counties.
Norman
Cleveland County
Other cities with a page
Norman's own numbers
Typical home value
$250,100
Typical monthly rent
$1,090
Typical yearly household income
$67,704
Households that own their home
53%
Effective property tax rate
0.99%
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.
A typical home in Norman is worth $250,100: 6% above the county and 25% above Oklahoma. With the typical household income in Norman ($67,704 a year), a typical home costs 3.7 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.
Norman3.7 years
Cleveland3.1 years
Oklahoma3.1 years
United States4.1 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.
Yearly change in FHFA’s price index in Cleveland County, 2016 to 2025
2016: +3.0% +3.0% 2016
2017: +2.3% +2.3% 2017
2018: +2.7% +2.7% 2018
2019: +3.4% +3.4% 2019
2020: +4.8% +4.8% 2020
2021: +8.2% +8.2% 2021
2022: +15.8% +15.8% 2022
2023: +8.2% +8.2% 2023
2024: +5.9% +5.9% 2024
2025: +0.9% +0.9% 2025
Change in FHFA’s price index in Cleveland County, Oklahoma and the United States
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
Norman 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
Norman$250,100
Cleveland$235,700
Oklahoma$199,800
United States$332,700
Typical monthly rent
Norman$1,090
Cleveland$1,167
Oklahoma$1,014
United States$1,413
Typical yearly household income
Norman$67,704
Cleveland$77,068
Oklahoma$65,039
United States$80,734
See the full table
Norman next to Cleveland County and Oklahoma
Measure
Norman
Cleveland County
Oklahoma
U.S.
Typical home value
$250,100 ▲6% above the county
$235,700
$199,800
$332,700
Typical monthly rent
$1,090 ▼7% below the county
$1,167
$1,014
$1,413
Typical yearly household income
$67,704 ▼12% below the county
$77,068
$65,039
$80,734
Households that own their home
53% ▼11 points below the county
64%
66%
65%
Typical yearly property tax
$2,484 ▲5% above the county
$2,360
$1,599
$3,119
Effective property tax rate
0.99% ▼0.01 points below the county
1%
0.8%
0.94%
Renters with high rent for their income
51% ▲2 points above the county
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 Norman
For a typical $250,100 home in Norman, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Norman's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,085a month
Least cash to close
Down payment
$8,754
Cash to close
$16,257
Rate
7.18%
Mortgage insurance
FHA MIP · $111
Conventional, 5% down$2,039a month
Down payment
$12,505
Cash to close
$20,008
Rate
7.18%
Mortgage insurance
PMI · $119
Conventional, 20% down, no PMI$1,666a month
Down payment
$50,020
Cash to close
$57,523
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,897a month
Down payment
$37,515
Cash to close
$45,018
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Norman
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,085
$8,754
$245,570
7.18%
FHA MIP · $111
$16,257
580
Conventional, 5% down
$2,039
$12,505
$237,595
7.18%
PMI · $119
$20,008
620*
Conventional, 20% down, no PMI
$1,666
$50,020
$200,080
7.18%
None
$57,523
620*
ITIN, 15% down (example)
$1,897
$37,515
$212,585
8.18%
None
$45,018
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 Norman is $1,090 a month: 7% below the county. In Norman, 51% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Cleveland 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 Norman
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Norman has 6 ZIP codes with their own.
For 2 bedrooms it runs from $1,220 in 73026 to $1,320 in 73072.
4 of the 6 are above the fair market rent for Cleveland County ($1,264).
2-bedroom fair market rent in each of the 6 ZIP codes of Norman, beside the one for Cleveland County. For 2 bedrooms it runs from $1,220 in 73026 to $1,320 in 73072. 4 of the 6 are above the fair market rent for Cleveland County ($1,264).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,264
Lowest: $1,220 (73026)Highest: $1,320 (73072)
Fair market rent by ZIP code and size in Norman, fiscal year 2027.
73019
$990
$1,080
$1,310
$1,780
$1,990
73026
$920
$1,000
$1,220
$1,650
$1,860
73069
$930
$1,010
$1,230
$1,670
$1,870
73070
$970
$1,050
$1,280
$1,730
$1,950
73071
$970
$1,050
$1,280
$1,730
$1,950
73072
$1,000
$1,090
$1,320
$1,790
$2,010
ZIP code2 bd3 bd
73019 $1,310$1,780
73026 $1,220$1,650
73069 $1,230$1,670
73070 $1,280$1,730
73071 $1,280$1,730
73072 $1,320$1,790
4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Norman 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 Norman. These are the largest.
Rose Rock Villa Eh700 N Berry Rd, Norman 73069173 low-income homes · Run by Housing Authority of the City of Norman · Average payment: $398 a month · Average wait: 5 months(405) 329-0933
Emerald Greens2809 Dewey Ave, Norman 73072220 homes, 132 low-income · Studio: 1 · 1 bd: 69 · 2 bd: 149 · 3 bd: 1 · In service since 1998
Vicksburg Village200 Vicksburg Ave, Norman 73071100 low-income homes · For families(405) 360-6724
Chapel Ridge of Norman1900 Renaissance Dr, Norman 73071144 homes, 96 low-income · 1 bd: 48 · 2 bd: 56 · 3 bd: 40 · In service since 1999
Villa de Vey1111 24th Ave SW, Norman 7306992 homes, 91 low-income · 1 bd: 59 · 2 bd: 33 · In service since 2000
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.
No down payment, repair or rent-help program on our list is for Norman or Cleveland County. The ones below are statewide in Oklahoma: they work in Norman 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 Norman or Cleveland 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 Norman 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 Norman?
The typical home value in Norman is $250,100, 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 Norman?
Typical rent in Norman is $1,090 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 Norman?
Norman 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 Norman?
The typical homeowner in Norman pays $2,484 a year, according to the U.S. Census Bureau. That is 0.99% of the home’s value; in Cleveland County, the rate is 1%.
Where can I find free help to buy or rent in Norman?
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.
