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City · 6,062 residents · Garvin County, Oklahoma

Pauls Valley , Oklahoma

In Pauls Valley, a typical home is worth $98,200 and typical rent is $852 a month. Compared with all of Garvin County, the typical home value is 34% lower, typical household income is 14% lower, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $98,200

    34% below the county

    51% below Oklahoma

    • Pauls Valley
    • Garvin
    • Oklahoma

  • Typical rent

    $852a month

    3% above the county

    16% below Oklahoma

    • Pauls Valley
    • Garvin
    • Oklahoma

  • Typical household income

    $50,357a year

    14% below the county

    23% below Oklahoma

    • Pauls Valley
    • Garvin
    • Oklahoma

  • Households that own their home

    50%

    18 points below the county

    16 points below Oklahoma

    • Pauls Valley
    • Garvin
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$145,000
4.3% more than 12 months ago

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

Pauls Valley is in Garvin 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 Garvin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pauls Valley apart

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

  1. 50% of households in Pauls Valley own their home, against 68% in Garvin County.

  2. The typical home in Pauls Valley is worth $98,200, 34% less than in Garvin County as a whole ($147,800).

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

The homes here

Housing in Pauls Valley

What homes there are in Pauls Valley, 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 is the most common home in Pauls Valley: 79% of homes, near the figure in Garvin County (80%).

Year built

Homes in Pauls Valley are older: the typical year built is 1966; in Garvin County, 1973.

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

About 56% of rented homes in Pauls Valley cost less than HUD's 2-bedroom fair market rent for Garvin County ($916); the rest cost more.

With a mortgage

$957 a month

Garvin County: $1,303 a month

Without a mortgage

$332 a month

Garvin County: $440 a month

Owners with a mortgage

35%

Garvin County: 40%

In Pauls Valley, 35% of owners have a mortgage, and their typical cost is $957 a month, against $1,303 in Garvin County. Without one it drops to $332.

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 Pauls Valley stayed about the same since 2015–2019: the Census sees no clear change.

Much as in Garvin County, the typical rent in Pauls Valley rose 23% since 2015–2019.

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

MeasurePauls ValleyGarvin CountyOklahomaUnited States
Rental vacancy Unreliable estimate3.5%6.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.2%0.9%
More than one person per room 4.9%2.7%2.9%3.4%
People per household 2.372.532.502.53
Drive alone 84%83%77%69%
Carpool 9%8%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%2%3%
Work from home Unreliable estimate7%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimateUnreliable estimate20 to 29 minutes

In Pauls Valley, 4.9% of households live with more than one person per room, against 2.7% in Garvin County.

Fewer people live in each home here: 2.37 on average, against 2.53 in Garvin County.

To get to work, 84% of workers in Pauls Valley drive alone; in Garvin County, 83%.

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 Pauls Valley?

A typical home is within reach of the typical income

We start with a typical home in Pauls Valley, worth $98,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 19% of the typical household income in Pauls Valley, which is $50,357 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pauls Valley. 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 $3,437 (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

$793

at 7.18% · 30 years

Loan amount
$96,421
Total interest
$138,728
Paid off in
November 2056

Includes $1,658 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,175 a month

    Your payment · 19%

  • Tight

    $1,175 to $1,511 a month

  • Hard

    more than $1,511 a month

Compared with the typical household income in Pauls Valley ($50,357 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$793
Principal & interest$653
Property tax$56
Home insurance$41
FHA mortgage insurance (MIP)$43

You need at least $3,437 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

Pauls Valley and Garvin County

Pauls Valley is in Garvin 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).

Pauls Valley's own numbers

Typical home value
$98,200
Typical monthly rent
$852
Typical yearly household income
$50,357
Households that own their home
50%
Effective property tax rate
0.68%

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

Numbers for all of Garvin County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$916
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
14%

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 Garvin County.

Everything about Garvin County

Buying

Buying a home in Pauls Valley

A typical home in Pauls Valley is worth $98,200: 34% below the county and 51% below Oklahoma. With the typical household income in Pauls Valley ($50,357 a year), a typical home costs 2.0 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.

  • Pauls Valley 2.0 years
  • Garvin 2.5 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Garvin County

According to FHFA’s house price index, home prices in Garvin County rose 76% in the 10 years through 2025.

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

Period County Oklahoma U.S.
Last year (2025) −9.3% +2.6% +2.9%
5 years (2020–2025) +52% +46% +47%
10 years (2015–2025) +76% +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

Pauls Valley next to Garvin 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
  • Pauls Valley $98,200
  • Garvin $147,800
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Pauls Valley $852
  • Garvin $825
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Pauls Valley $50,357
  • Garvin $58,556
  • Oklahoma $65,039
  • United States $80,734
See the full table
Pauls Valley next to Garvin County and Oklahoma
Measure Pauls Valley Garvin County Oklahoma U.S.
Typical home value $98,200 $147,800 $199,800 $332,700
Typical monthly rent $852 $825 $1,014 $1,413
Typical yearly household income $50,357 $58,556 $65,039 $80,734
Households that own their home 50% 68% 66% 65%
Typical yearly property tax $669 $818 $1,599 $3,119
Effective property tax rate 0.68% 0.55% 0.8% 0.94%
Renters with high rent for their income 43% 36% 46% 51%

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

For a typical $98,200 home in Pauls Valley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pauls Valley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $793a month

    Least cash to close
    Down payment
    $3,437
    Cash to close
    $6,383
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $43

  • Conventional, 5% down $775a month

    Down payment
    $4,910
    Cash to close
    $7,856
    Rate
    7.18%
    Mortgage insurance
    PMI · $47

  • Conventional, 20% down, no PMI $629a month

    Down payment
    $19,640
    Cash to close
    $22,586
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $720a month

    Down payment
    $14,730
    Cash to close
    $17,676
    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 Pauls Valley and for Garvin County.

Property tax

Effective rate in Pauls Valley

0.68%of the home’s value each year

$669 a year for the typical owner in Pauls Valley.

  • Pauls Valley 0.68%
  • Garvin 0.55%
  • 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 Garvin County

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

Homes in the high-risk zone
14%
1,623
Of those, with NFIP insurance
4%
County Oklahoma U.S.
Homes in the high-risk zone 14% 2.2% 3.5%
Of those, with NFIP insurance 4% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pauls Valley

Typical rent in Pauls Valley is $852 a month: 3% above the county. In Pauls Valley, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Garvin County, by unit size. To pay the 2-bedroom one ($916 a month) without spending more than 30% of your income, you would need to earn $17.62 an hour working full time.

HUD fair market rent for all of Garvin 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 $696 $13.38 $27,840
1 bedroom $700 $13.46 $28,000
2 bedrooms $916 $17.62 $36,640
3 bedrooms $1,214 $23.35 $48,560
4 bedrooms $1,505 $28.94 $60,200

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 Pauls Valley

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pauls Valley is in ZIP code 73075.

For 2 bedrooms it is $920: $4 more than the fair market rent for Garvin County ($916).

  • 73075 $920$1,220

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

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

  • Pauls Valley Housing Authority 300 Melville Dr, Pauls Valley 73075 61 low-income homes · Run by Housing Authority of the City of Pauls Valley · Average payment: $376 a month · Average wait: 8 months (405) 238-7507
  • Apple Ridge Seniors 123 Michael Blvd, Pauls Valley 73075 20 low-income homes · In service since 2014 · For families
  • Chapel Ridge of Pauls Valley 618 Pawnee Ln, Pauls Valley 73075 114 homes

See all 10 buildings in Garvin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pauls Valley

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

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Pauls Valley

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

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

  • Chickasaw Nation Division of Housing

    111 Rosedale Rd, Ada · 31 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (580) 421-8817

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

    319 SW 25th St, Oklahoma City · 53 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 · 58 miles away · Spanish

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

All counseling agencies in Oklahoma

Help in Spanish near Pauls Valley

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 Pauls Valley

HUD’s record names them for Pauls Valley or Garvin County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Pauls Valley Public housing (405) 238-7507

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

Cities

Nearby cities

The cities closest to Pauls Valley, with the typical home value.

Everything about Garvin County Housing in Oklahoma

Neighboring counties

If Garvin 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 Pauls Valley.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Pauls Valley

Short answers with the numbers for Pauls Valley and all of Garvin 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 Pauls Valley?

The typical home value in Pauls Valley is $98,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Garvin County it is $147,800.

How much does it cost to rent in Pauls Valley?

Typical rent in Pauls Valley is $852 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Garvin County is $916.

What is the FHA loan limit in Pauls Valley?

Pauls Valley uses the FHA limit for all of Garvin 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 Pauls Valley?

The typical homeowner in Pauls Valley pays $669 a year, according to the U.S. Census Bureau. That is 0.68% of the home’s value; in Garvin County, the rate is 0.55%.

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

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