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City · 8,959 residents · Le Flore County, Oklahoma

Poteau , Oklahoma

In Poteau, a typical home is worth $157,400 and typical rent is $853 a month. Compared with all of Le Flore County, the typical home value is 16% higher, typical rent is 7% higher, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $157,400

    16% above the county

    21% below Oklahoma

    • Poteau
    • Le Flore
    • Oklahoma

  • Typical rent

    $853a month

    7% above the county

    16% below Oklahoma

    • Poteau
    • Le Flore
    • Oklahoma

  • Typical household income

    $50,511a year

    2% below the county

    22% below Oklahoma

    • Poteau
    • Le Flore
    • Oklahoma

  • Households that own their home

    62%

    10 points below the county

    4 points below Oklahoma

    • Poteau
    • Le Flore
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$186,608
3.4% more than 12 months ago

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

Poteau is in Le Flore 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 Le Flore County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Poteau apart

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

  1. The typical home in Poteau is worth $157,400, 16% more than in Le Flore County as a whole ($135,700).

  2. 62% of households in Poteau own their home, against 73% in Le Flore County.

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

The homes here

Housing in Poteau

What homes there are in Poteau, 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 Poteau, 8 in 10 homes are single-family detached houses, about the same as in Le Flore County.

Year built

The typical home in Poteau was built in 1979, 6 years before the typical one in Le Flore County.

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 59% of rented homes in Poteau cost less than HUD's 2-bedroom fair market rent for Le Flore County ($916); the rest cost more.

With a mortgage

$1,045 a month

Le Flore County: $1,144 a month

Without a mortgage

$469 a month

Le Flore County: $421 a month

Owners with a mortgage

55%

Le Flore County: 44%

Owning costs less in Poteau: with a mortgage, the typical cost is $1,045 a month; in Le Flore County, $1,144. Without one, $469.

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

Homes in Poteau gained value more slowly than in Le Flore County: 45% since 2015–2019, against 50%.

Rents in Poteau rose faster than in Le Flore County: 31% since 2015–2019, against 25%.

The typical household income in Poteau rose 25%: less than home values (+45%) and rent (+31%).

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

MeasurePoteauLe Flore CountyOklahomaUnited States
Rental vacancy Unreliable estimate6.1%6.5%5.5%
Homeowner vacancy Unreliable estimate1.1%1.2%0.9%
More than one person per room Unreliable estimate2.6%2.9%3.4%
People per household 2.582.632.502.53
Drive alone 83%83%77%69%
Carpool 9%9%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 4%5%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimateUnreliable estimate20 to 29 minutes

By size, households in Poteau look like those in Le Flore County: 2.58 people on average.

To get to work, 83% of workers in Poteau drive alone; in Le Flore 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 Poteau?

A typical home is tight for the typical income

We start with a typical home in Poteau, worth $157,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Poteau, which is $50,511 a year. For that payment to be 28% of income, a household would need to earn about $54,318 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Poteau. 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 $5,509 (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

$1,267

at 7.18% · 30 years

Loan amount
$154,549
Total interest
$222,360
Paid off in
November 2056

Includes $2,658 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,179 a month

  • Tight

    $1,179 to $1,515 a month

    Your payment · 30%

  • Hard

    more than $1,515 a month

Compared with the typical household income in Poteau ($50,511 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,267
Principal & interest$1,047
Property tax$85
Home insurance$66
FHA mortgage insurance (MIP)$70

You need at least $5,509 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

Poteau and Le Flore County

Poteau is in Le Flore 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).

Poteau's own numbers

Typical home value
$157,400
Typical monthly rent
$853
Typical yearly household income
$50,511
Households that own their home
62%
Effective property tax rate
0.65%

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

Numbers for all of Le Flore 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)
+50%
Homes in a high flood-risk zone
5%

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 Le Flore County.

Everything about Le Flore County

Buying

Buying a home in Poteau

A typical home in Poteau is worth $157,400: 16% above the county and 21% below Oklahoma. With the typical household income in Poteau ($50,511 a year), a typical home costs 3.1 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.

  • Poteau 3.1 years
  • Le Flore 2.6 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Le Flore County

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

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

Period County Oklahoma U.S.
Last year (2025) −2.4% +2.6% +2.9%
5 years (2020–2025) +50% +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

Poteau next to Le Flore 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
  • Poteau $157,400
  • Le Flore $135,700
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Poteau $853
  • Le Flore $798
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Poteau $50,511
  • Le Flore $51,565
  • Oklahoma $65,039
  • United States $80,734
See the full table
Poteau next to Le Flore County and Oklahoma
Measure Poteau Le Flore County Oklahoma U.S.
Typical home value $157,400 $135,700 $199,800 $332,700
Typical monthly rent $853 $798 $1,014 $1,413
Typical yearly household income $50,511 $51,565 $65,039 $80,734
Households that own their home 62% 73% 66% 65%
Typical yearly property tax $1,027 $845 $1,599 $3,119
Effective property tax rate 0.65% 0.62% 0.8% 0.94%
Renters with high rent for their income 50% 45% 46% 51%

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

For a typical $157,400 home in Poteau, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Poteau's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,267a month

    Least cash to close
    Down payment
    $5,509
    Cash to close
    $10,231
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $70

  • Conventional, 5% down $1,239a month

    Down payment
    $7,870
    Cash to close
    $12,592
    Rate
    7.18%
    Mortgage insurance
    PMI · $75

  • Conventional, 20% down, no PMI $1,004a month

    Down payment
    $31,480
    Cash to close
    $36,202
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,149a month

    Down payment
    $23,610
    Cash to close
    $28,332
    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 Poteau and for Le Flore County.

Property tax

Effective rate in Poteau

0.65%of the home’s value each year

$1,027 a year for the typical owner in Poteau.

  • Poteau 0.65%
  • Le Flore 0.62%
  • 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 Le Flore County

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

Homes in the high-risk zone
5%
1,123
Of those, with NFIP insurance
5%
County Oklahoma U.S.
Homes in the high-risk zone 5% 2.2% 3.5%
Of those, with NFIP insurance 5% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Poteau

Typical rent in Poteau is $853 a month: 7% above the county. In Poteau, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Le Flore 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 Le Flore 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 $647 $12.44 $25,880
1 bedroom $700 $13.46 $28,000
2 bedrooms $916 $17.62 $36,640
3 bedrooms $1,268 $24.38 $50,720
4 bedrooms $1,405 $27.02 $56,200

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 Poteau

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Poteau is in ZIP code 74953.

For 2 bedrooms it is $950: $34 more than the fair market rent for Le Flore County ($916).

  • 74953 $950$1,320

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

HUD lists 5 buildings with rents for lower incomes in Poteau. These are the largest.

  • Fox Run & Fairview Apts 1003 Tarby Rd, Poteau 74953 73 homes, 71 low-income · 1 bd: 8 · 2 bd: 41 · 3 bd: 24 · In service since 1999
  • North Pointe Apts 210 Lacey Ln, Poteau 74953 52 low-income homes
  • El Conquistador Apts 101 Michelle Dr, Poteau 74953 32 low-income homes
  • Dancing Rabbit 100 Hina Aoik Panchi, Poteau 74953 23 low-income homes · For older adults (918) 647-8695
  • Garden Walk on Lacey & Michelle Lanes 203 Lacey Ln, Poteau 74953 81 homes

See all 17 buildings in Le Flore County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Poteau

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

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Poteau

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

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

  • Housing Authority of the Choctaw Nation of Oklahoma

    403 Chata Cir, Hugo · 89 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (580) 326-7521

  • Quickcert, Inc.

    7122 S Sheridan Rd Ste 2, Tulsa · 100 miles away · Spanish

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

  • Tulsa Habitat for Humanity

    6235 E 13th St, Tulsa · 104 miles away

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

All counseling agencies in Oklahoma

Help in Spanish near Poteau

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 Poteau

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

3 other authorities have an office in Le Flore County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Le Flore County Housing in Oklahoma

Neighboring counties

If Le Flore 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 Poteau.

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

Questions

Housing questions about Poteau

Short answers with the numbers for Poteau and all of Le Flore 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 Poteau?

The typical home value in Poteau is $157,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Le Flore County it is $135,700.

How much does it cost to rent in Poteau?

Typical rent in Poteau is $853 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Le Flore County is $916.

What is the FHA loan limit in Poteau?

Poteau uses the FHA limit for all of Le Flore 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 Poteau?

The typical homeowner in Poteau pays $1,027 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Le Flore County, the rate is 0.62%.

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

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