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City · 11,348 residents · Okmulgee County, Oklahoma

Okmulgee , Oklahoma

In Okmulgee, a typical home is worth $98,400 and typical rent is $837 a month. Compared with all of Okmulgee County, typical household income is 23% lower, the typical home value is 19% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $98,400

    19% below the county

    51% below Oklahoma

    • Okmulgee
    • County
    • Oklahoma

  • Typical rent

    $837a month

    About the same as the county

    17% below Oklahoma

    • Okmulgee
    • County
    • Oklahoma

  • Typical household income

    $41,848a year

    23% below the county

    36% below Oklahoma

    • Okmulgee
    • County
    • Oklahoma

  • Households that own their home

    51%

    19 points below the county

    15 points below Oklahoma

    • Okmulgee
    • County
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$106,360
8.5% less than 12 months ago

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

Okmulgee is in Okmulgee 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 Okmulgee County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Okmulgee apart

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

  1. According to Zillow, in the 12 months to September 2026 the typical home value in Okmulgee fell 8.5%; in Oklahoma, it rose 2.6%.

  2. Okmulgee has the 3rd lowest typical household income of the 75 cities in Oklahoma with more than 5,000 people ($41,848).

  3. 51% of households in Okmulgee own their home, against 70% in Okmulgee County.

  4. Nearby, in Henryetta, the typical rent is $695: 17% less than in Okmulgee ($837).

  5. The typical home in Okmulgee is worth $98,400, 19% less than in Okmulgee County as a whole ($121,200).

  6. Okmulgee has the 7th largest share of rent-burdened renters of the 70 cities in Oklahoma with more than 5,000 people (54%).

Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data

The homes here

Housing in Okmulgee

What homes there are in Okmulgee, 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

The detached house rules in Okmulgee: 78% of homes, more than in Okmulgee County (74%).

Year built

Homes in Okmulgee are older: the typical year built is 1960; in Okmulgee County, 1976.

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

Measured against HUD's 2-bedroom fair market rent ($921), about 63% of rented homes in Okmulgee cost less.

With a mortgage

$986 a month

Okmulgee County: $1,224 a month

Without a mortgage

$393 a month

Okmulgee County: $425 a month

Owners with a mortgage

46%

Okmulgee County: 47%

Owning costs less in Okmulgee: with a mortgage, the typical cost is $986 a month; in Okmulgee County, $1,224. Without one, $393.

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

From 2015–2019 to 2020–2024, home values in Okmulgee rose at about the same pace as in Okmulgee County: 40% against 42%.

The typical rent in Okmulgee rose 34% over the same time; in Okmulgee County, it rose 27%.

The typical household income in Okmulgee rose 31% over that time; home values changed +40% and rent +34%.

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

MeasureOkmulgeeOkmulgee CountyOklahomaUnited States
Rental vacancy 7.5%5.4%6.5%5.5%
Homeowner vacancy Unreliable estimate1.9%1.2%0.9%
More than one person per room Unreliable estimate4.1%2.9%3.4%
People per household 2.312.492.502.53
Drive alone 81%79%77%69%
Carpool 12%11%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%2%3%
Work from home Unreliable estimate8%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimateUnreliable estimate20 to 29 minutes

There is more rental housing open in Okmulgee: 7.5% is empty and offered for rent, against 5.4% in Okmulgee County.

Fewer people live in each home here: 2.31 on average, against 2.49 in Okmulgee County.

The car rules in Okmulgee: 81% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Okmulgee?

A typical home is within reach of the typical income

We start with a typical home in Okmulgee, worth $98,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Okmulgee, which is $41,848 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Okmulgee. 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 $3,444 (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

$783

at 7.18% · 30 years

Loan amount
$96,618
Total interest
$139,010
Paid off in
November 2056

Includes $1,662 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $976 a month

    Your payment · 22%

  • Tight

    $976 to $1,255 a month

  • Hard

    more than $1,255 a month

Compared with the typical household income in Okmulgee ($41,848 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$783
Principal & interest$655
Property tax$44
Home insurance$41
FHA mortgage insurance (MIP)$44

You need at least $3,444 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

Okmulgee and Okmulgee County

Okmulgee is in Okmulgee 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).

Okmulgee's own numbers

Typical home value
$98,400
Typical monthly rent
$837
Typical yearly household income
$41,848
Households that own their home
51%
Effective property tax rate
0.54%

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

Numbers for all of Okmulgee County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$921
Price change over 5 years (FHFA)
+42%
Homes in a high flood-risk zone
3.4%

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 Okmulgee County.

Everything about Okmulgee County

Buying

Buying a home in Okmulgee

A typical home in Okmulgee is worth $98,400: 19% below the county and 51% below Oklahoma. With the typical household income in Okmulgee ($41,848 a year), a typical home costs 2.4 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.

  • Okmulgee 2.4 years
  • County 2.2 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Okmulgee County

According to FHFA’s house price index, home prices in Okmulgee County rose 69% in the 10 years through 2025.

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

Period County Oklahoma U.S.
Last year (2025) +1.0% +2.6% +2.9%
5 years (2020–2025) +42% +46% +47%
10 years (2015–2025) +69% +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

Okmulgee next to Okmulgee 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
  • Okmulgee $98,400
  • County $121,200
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Okmulgee $837
  • County $834
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Okmulgee $41,848
  • County $54,029
  • Oklahoma $65,039
  • United States $80,734
See the full table
Okmulgee next to Okmulgee County and Oklahoma
Measure Okmulgee Okmulgee County Oklahoma U.S.
Typical home value $98,400 $121,200 $199,800 $332,700
Typical monthly rent $837 $834 $1,014 $1,413
Typical yearly household income $41,848 $54,029 $65,039 $80,734
Households that own their home 51% 70% 66% 65%
Typical yearly property tax $530 $796 $1,599 $3,119
Effective property tax rate 0.54% 0.66% 0.8% 0.94%
Renters with high rent for their income 54% 46% 46% 51%

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

For a typical $98,400 home in Okmulgee, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Okmulgee's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $783a month

    Least cash to close
    Down payment
    $3,444
    Cash to close
    $6,396
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $44

  • Conventional, 5% down $765a month

    Down payment
    $4,920
    Cash to close
    $7,872
    Rate
    7.18%
    Mortgage insurance
    PMI · $47

  • Conventional, 20% down, no PMI $619a month

    Down payment
    $19,680
    Cash to close
    $22,632
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $710a month

    Down payment
    $14,760
    Cash to close
    $17,712
    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 Okmulgee and for Okmulgee County.

Property tax

Effective rate in Okmulgee

0.54%of the home’s value each year

$530 a year for the typical owner in Okmulgee.

  • Okmulgee 0.54%
  • County 0.66%
  • 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 Okmulgee County

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

Homes in the high-risk zone
3.4%
594
Of those, with NFIP insurance
7.6%
County Oklahoma U.S.
Homes in the high-risk zone 3.4% 2.2% 3.5%
Of those, with NFIP insurance 7.6% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Okmulgee

Typical rent in Okmulgee is $837 a month: about the same as the county. In Okmulgee, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Okmulgee County, by unit size. To pay the 2-bedroom one ($921 a month) without spending more than 30% of your income, you would need to earn $17.71 an hour working full time.

HUD fair market rent for all of Okmulgee 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 $741 $14.25 $29,640
1 bedroom $745 $14.33 $29,800
2 bedrooms $921 $17.71 $36,840
3 bedrooms $1,275 $24.52 $51,000
4 bedrooms $1,289 $24.79 $51,560

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 Okmulgee

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Okmulgee is in ZIP code 74447.

For 2 bedrooms it is $920: $1 less than the fair market rent for Okmulgee County ($921).

  • 74447 $920$1,270

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

HUD lists 6 buildings with rents for lower incomes in Okmulgee. These are the largest.

  • Creek Forest Apts 100 Creek Forest St, Okmulgee 74447 100 low-income homes · For families (918) 756-8911
  • Creek Nation Indian Village 205 Este Cate Dr, Okmulgee 74447 100 low-income homes · For families (918) 756-4423
  • Creek Nation Housing for the Elderly 2710 N Miami Ave, Okmulgee 74447 100 homes, 99 low-income · For older adults (918) 756-2920
  • Oxford Place Apts 1551 N Okmulgee Ave, Okmulgee 74447 60 low-income homes · In service since 2005 · For families
  • Okmulgee & Okemah Affordable Housing 512 N Muskogee Ave, Okmulgee 74447 44 low-income homes · 3 bd: 44 · In service since 2011 · For people with disabilities

See all 9 buildings in Okmulgee County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Okmulgee

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 Okmulgee 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 Okmulgee

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

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

  • Quickcert, Inc.

    7122 S Sheridan Rd Ste 2, Tulsa · 30 miles away · Spanish

    • Pre-purchase counseling
    • Rental counseling
    • and 1 more
    (888) 383-8885

  • Tulsa Habitat for Humanity

    6235 E 13th St, Tulsa · 36 miles away

    • Budget and credit workshops
    • Workshops for new owners
    • and 2 more
    918-592-4224x107

  • Chickasaw Nation Division of Housing

    111 Rosedale Rd, Ada · 70 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 Okmulgee

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 Okmulgee

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

2 other authorities have an office in Okmulgee County: see the list Source: HUD

Cities

Other cities in Okmulgee County

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

Everything about Okmulgee County Housing in Oklahoma

Nearby cities

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

Neighboring counties

If Okmulgee 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 Okmulgee.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Okmulgee

Short answers with the numbers for Okmulgee and all of Okmulgee 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 Okmulgee?

The typical home value in Okmulgee is $98,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Okmulgee County it is $121,200.

How much does it cost to rent in Okmulgee?

Typical rent in Okmulgee is $837 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Okmulgee County is $921.

What is the FHA loan limit in Okmulgee?

Okmulgee uses the FHA limit for all of Okmulgee 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 Okmulgee?

The typical homeowner in Okmulgee pays $530 a year, according to the U.S. Census Bureau. That is 0.54% of the home’s value; in Okmulgee County, the rate is 0.66%.

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

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