In Ponca City, a typical home is worth $135,800 and typical rent is $850 a month. Compared with all of Kay County, the typical home value is 9% higher and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $113,974 to $137,447.
Typical rent
$665a month
▲ 2% more than 12 months ago
Typical rent from Zillow, September 2025 to September 2026: from $652 to $665.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ponca City is in Kay 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 Kay County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Blackwell, the typical home value is $85,600: 37% less than in Ponca City ($135,800).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Ponca City rose 6%; in Oklahoma, it rose 2.6%.
3
62% of households in Ponca City own their home, against 69% in Kay County.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Ponca City
What homes there are in Ponca City, 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
Ponca City
Kay County
Oklahoma
United States
Kind of home: Ponca City and its comparisons
Measure
Ponca City
Kay County
Oklahoma
United States
Detached house
80%
82%
73%
61%
Attached house
3%
2%
2%
6%
Building of 2 to 4
7%
5%
5%
8%
Apartments (5 or more)
8%
6%
12%
19%
Mobile home
2%
6%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Ponca City: 80% of homes, near the figure in Kay County (82%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Ponca City
Kay County
Oklahoma
United States
Year built: Ponca City and its comparisons
Measure
Ponca City
Kay County
Oklahoma
United States
Before 1960
43%
45%
21%
26%
1960–1979
36%
30%
28%
24%
1980–1999
15%
16%
24%
25%
2000–2009
3%
5%
13%
14%
2010 or later
3%
4%
13%
11%
By age, homes in Ponca City look like those in Kay County: the typical year built is 1964.
Much as in Kay County, 63% of homes in Ponca City have 3 bedrooms or more.
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 $100K34%
$100K–$200K44%
$200K–$300K12%
$300K–$500K8%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Ponca City and its comparisons
Measure
Ponca City
Under $100K
34%
$100K–$200K
44%
$200K–$300K
12%
$300K–$500K
8%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
The FHA limit for Kay County is high ($541,287): at least 98% of owner-occupied homes in Ponca City are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50013%
$500–$99950%
HUD fair market rent, 2 bedrooms: $916
$1,000–$1,49933%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ponca City and its comparisons
Measure
Ponca City
Under $500
13%
$500–$999
50%
$1,000–$1,499
33%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
Measured against HUD's 2-bedroom fair market rent ($916), about 54% of rented homes in Ponca City cost less.
With a mortgage
$1,228 a month
Kay County: $1,256 a month
Without a mortgage
$486 a month
Kay County: $476 a month
Owners with a mortgage
47%
Kay County: 42%
The typical cost for an owner with a mortgage in Ponca City is $1,228 a month, near the figure in Kay County ($1,256).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ponca City+41%
Kay County+35%
Oklahoma+46%
United States+53%
Typical rent
Ponca City+25%
Kay County+25%
Oklahoma+25%
United States+33%
Typical household income
Ponca City+27%
Kay County+25%
Oklahoma+23%
United States+29%
Change since 2015–2019: Ponca City and its comparisons
Measure
Ponca City
Kay County
Oklahoma
United States
Typical home value
+41%
+35%
+46%
+53%
Typical rent
+25%
+25%
+25%
+33%
Typical household income
+27%
+25%
+23%
+29%
The typical home value in Ponca City rose 41% since 2015–2019, more than in Kay County (35%).
Much as in Kay County, the typical rent in Ponca City rose 25% since 2015–2019.
While home values in Ponca City changed +41% and rent +25%, the typical household income rose 27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ponca City and its comparisons
Measure
Ponca City
Kay County
Oklahoma
United States
Rental vacancy
7.2%
8.3%
6.5%
5.5%
Homeowner vacancy
2.6%
2.2%
1.2%
0.9%
More than one person per room
2.4%
2.2%
2.9%
3.4%
People per household
2.53
2.52
2.50
2.53
Drive alone
79%
81%
77%
69%
Carpool
15%
13%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
3%
4%
9%
15%
Other means
2%
2%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
There is little rental housing open in Ponca City: only 7.2% is empty and offered for rent, against 8.3% in Kay County.
More than one person per room: that is how 2.4% of households in Ponca City live, near the figure in Kay County (2.2%).
Much as in Kay County, a household in Ponca City has 2.53 people on average.
To get to work, 79% of workers in Ponca City drive alone; in Kay County, 81%.
Do the math
What would you pay each month for a home in Ponca City?
A typical home is within reach of the typical income
We start with a typical home in Ponca City, worth $135,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Ponca City, which is $55,941 a year.
The calculator's FHA and conventional loan limits are those of all of Kay 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 Ponca City. 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 $4,753 (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
$1,096
at 7.18% · 30 years
Loan amount
$133,340
Total interest
$191,845
Paid off in
November 2056
Includes $2,293 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,305 a month
Your payment · 24%
Tight
$1,305 to $1,678 a month
Hard
more than $1,678 a month
Compared with the typical household income in Ponca City ($55,941 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$903
Property tax
$76
Home insurance
$57
FHA mortgage insurance (MIP)
$60
You need at least $4,753 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 $1,096; principal and interest $903.
The city and its county
Ponca City and Kay County
Ponca City is in Kay 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).
Ponca City
Map of Kay County, Oklahoma, with Ponca City marked. Around it, the neighboring counties.
Ponca City
Kay County
Other cities with a page
Ponca City's own numbers
Typical home value
$135,800
Typical monthly rent
$850
Typical yearly household income
$55,941
Households that own their home
62%
Effective property tax rate
0.67%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Kay 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)
+40%
Homes in a high flood-risk zone
5.2%
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 Kay County.
A typical home in Ponca City is worth $135,800: 9% above the county and 32% below Oklahoma. With the typical household income in Ponca City ($55,941 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.
Ponca City2.4 years
Kay2.1 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Kay County
According to FHFA’s house price index, home prices in Kay County rose 60% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Kay County.
Yearly change in FHFA’s price index in Kay County, 2016 to 2025
2016: +3.5% +3.5% 2016
2017: +4.6% +4.6% 2017
2018: +0.5% +0.5% 2018
2019: +1.7% +1.7% 2019
2020: +3.4% +3.4% 2020
2021: +12.5% +12.5% 2021
2022: +8.8% +8.8% 2022
2023: +5.7% +5.7% 2023
2024: +5.3% +5.3% 2024
2025: +2.7% +2.7% 2025
Change in FHFA’s price index in Kay County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+2.7%
+2.6%
+2.9%
5 years (2020–2025)
+40%
+46%
+47%
10 years (2015–2025)
+60%
+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
Ponca City next to Kay 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
Ponca City$135,800
Kay$124,700
Oklahoma$199,800
United States$332,700
Typical monthly rent
Ponca City$850
Kay$842
Oklahoma$1,014
United States$1,413
Typical yearly household income
Ponca City$55,941
Kay$58,423
Oklahoma$65,039
United States$80,734
See the full table
Ponca City next to Kay County and Oklahoma
Measure
Ponca City
Kay County
Oklahoma
U.S.
Typical home value
$135,800 ▲9% above the county
$124,700
$199,800
$332,700
Typical monthly rent
$850
$842
$1,014
$1,413
Typical yearly household income
$55,941 ▼4% below the county
$58,423
$65,039
$80,734
Households that own their home
62% ▼7 points below the county
69%
66%
65%
Typical yearly property tax
$910 ▲11% above the county
$821
$1,599
$3,119
Effective property tax rate
0.67% ▲0.01 points above the county
0.66%
0.8%
0.94%
Renters with high rent for their income
41% ▲1 points above the county
40%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kay 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 Ponca City
For a typical $135,800 home in Ponca City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ponca City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,096a month
Least cash to close
Down payment
$4,753
Cash to close
$8,827
Rate
7.18%
Mortgage insurance
FHA MIP · $60
Conventional, 5% down$1,071a month
Down payment
$6,790
Cash to close
$10,864
Rate
7.18%
Mortgage insurance
PMI · $65
Conventional, 20% down, no PMI$868a month
Down payment
$27,160
Cash to close
$31,234
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$994a month
Down payment
$20,370
Cash to close
$24,444
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ponca City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,096
$4,753
$133,340
7.18%
FHA MIP · $60
$8,827
580
Conventional, 5% down
$1,071
$6,790
$129,010
7.18%
PMI · $65
$10,864
620*
Conventional, 20% down, no PMI
$868
$27,160
$108,640
7.18%
None
$31,234
620*
ITIN, 15% down (example)
$994
$20,370
$115,430
8.18%
None
$24,444
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 Ponca City is $850 a month: about the same as the county. In Ponca City, 41% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Kay 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Kay County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$638
$12.27
$25,520
1 bedroom
$700
$13.46
$28,000
2 bedrooms
$916
$17.62
$36,640
3 bedrooms
$1,199
$23.06
$47,960
4 bedrooms
$1,204
$23.15
$48,160
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 Ponca City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ponca City has 2 ZIP codes with their own.
For 2 bedrooms it runs from $920 in 74604 to $950 in 74601.
2 of the 2 are above the fair market rent for Kay County ($916).
Fair market rent by ZIP code, HUD area and size in Ponca City, fiscal year 2027. A ZIP code that crosses a HUD area line appears once per area.
74601
Kay County, OK
$660
$730
$950
$1,240
$1,410
74604
Tulsa, OK
$650
$710
$920
$1,200
$1,270
ZIP code2 bd3 bd
74601 $950$1,240
74604 $920$1,200
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ponca City 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 8 buildings with rents for lower incomes in Ponca City. These are the largest.
Broadway Plaza201 E Broadway Ave, Ponca City 74601188 homes, 175 low-income · Run by Housing Authority of the City of Ponca City · Average payment: $354 a month · Average wait: 3 months(580) 762-4445
Sunset Villas710 E Bradley Ave, Ponca City 7460160 low-income homes · For families(580) 762-9454
Willow Creek - II1501 Princeton Ave, Ponca City 7460460 low-income homes · 1 bd: 30 · 2 bd: 30 · In service since 2001
Paradise Corner Apartments3501 N Union St, Ponca City 7460160 homes, 56 low-income · For families(580) 762-7300
Copper Ridge Apts1515 W Highland Ave, Ponca City 7460154 low-income homes · 1 bd: 18 · 2 bd: 30 · 3 bd: 6 · In service since 2001
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 Kay 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 Ponca City or Kay County. The ones below are statewide in Oklahoma: they work in Ponca City 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 Ponca City or Kay 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 Ponca City and all of Kay 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 Ponca City?
The typical home value in Ponca City is $135,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kay County it is $124,700.
How much does it cost to rent in Ponca City?
Typical rent in Ponca City is $850 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kay County is $916.
What is the FHA loan limit in Ponca City?
Ponca City uses the FHA limit for all of Kay 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 Ponca City?
The typical homeowner in Ponca City pays $910 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Kay County, the rate is 0.66%.
Where can I find free help to buy or rent in Ponca City?
We found no HUD-approved counseling agencies with an office in Kay County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
