In Pryor Creek, a typical home is worth $166,400 and typical rent is $928 a month. Compared with all of Mayes County, typical household income is 26% lower, the typical home value is 12% lower, and the share of households that own their home is 21 points lower.
Pryor Creek is in Mayes 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 Mayes County. See the county
What this place has that others do not, from public data, most unusual first.
1
54% of households in Pryor Creek own their home, against 74% in Mayes County.
2
Nearby, in Vinita, the typical home value is $96,200: 42% less than in Pryor Creek ($166,400).
3
The typical household income in Pryor Creek is $44,839,26% less than in Mayes County as a whole ($60,305).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Pryor Creek
What homes there are in Pryor Creek, 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
Pryor Creek
Mayes County
Oklahoma
United States
Kind of home: Pryor Creek and its comparisons
Measure
Pryor Creek
Mayes County
Oklahoma
United States
Detached house
77%
73%
73%
61%
Attached house
Unreliable estimate
1%
2%
6%
Building of 2 to 4
9%
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
12%
19%
Mobile home
Unreliable estimate
18%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 77% of homes here, against 73% in Mayes County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Pryor Creek
Mayes County
Oklahoma
United States
Year built: Pryor Creek and its comparisons
Measure
Pryor Creek
Mayes County
Oklahoma
United States
Before 1960
28%
17%
21%
26%
1960–1979
36%
31%
28%
24%
1980–1999
20%
25%
24%
25%
2000–2009
12%
17%
13%
14%
2010 or later
Unreliable estimate
10%
13%
11%
The typical home in Pryor Creek was built in 1974, 7 years before the typical one in Mayes County.
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 $100K22%
$100K–$200K42%
$200K–$300K23%
$300K–$500K12%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Pryor Creek and its comparisons
Measure
Pryor Creek
Under $100K
22%
$100K–$200K
42%
$200K–$300K
23%
$300K–$500K
12%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 98% of owner-occupied homes in Pryor Creek sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50012%
$500–$99945%
HUD fair market rent, 2 bedrooms: $916
$1,000–$1,49937%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Pryor Creek and its comparisons
Measure
Pryor Creek
Under $500
12%
$500–$999
45%
$1,000–$1,499
37%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Mayes County is $916: about 50% of rents in Pryor Creek are below it.
With a mortgage
$1,100 a month
Mayes County: $1,374 a month
Without a mortgage
$499 a month
Mayes County: $460 a month
Owners with a mortgage
52%
Mayes County: 46%
The typical cost for an owner with a mortgage in Pryor Creek is $1,100 a month, less than in Mayes County ($1,374); without one, $499.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Pryor Creek+62%
Mayes County+67%
Oklahoma+46%
United States+53%
Typical rent
Pryor Creek+23%
Mayes County+15%
Oklahoma+25%
United States+33%
Typical household income
Pryor CreekNo clear change
Mayes County+20%
Oklahoma+23%
United States+29%
Change since 2015–2019: Pryor Creek and its comparisons
Measure
Pryor Creek
Mayes County
Oklahoma
United States
Typical home value
+62%
+67%
+46%
+53%
Typical rent
+23%
+15%
+25%
+33%
Typical household income
No clear change
+20%
+23%
+29%
The typical home value in Pryor Creek rose 62% since 2015–2019, less than in Mayes County (67%).
Rents in Pryor Creek rose faster than in Mayes County: 23% since 2015–2019, against 15%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Pryor Creek and its comparisons
Measure
Pryor Creek
Mayes County
Oklahoma
United States
Rental vacancy
Unreliable estimate
3.9%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
1.2%
0.9%
More than one person per room
Unreliable estimate
3.6%
2.9%
3.4%
People per household
2.55
2.56
2.50
2.53
Drive alone
77%
78%
77%
69%
Carpool
10%
10%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
8%
9%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
10 to 19 minutes
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
By size, households in Pryor Creek look like those in Mayes County: 2.55 people on average.
In Pryor Creek, 77% of workers drive alone to work; in Mayes County, 78%.
Do the math
What would you pay each month for a home in Pryor Creek?
A typical home costs more than the typical income allows
We start with a typical home in Pryor Creek, worth $166,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Pryor Creek, which is $44,839 a year. For that payment to be 28% of income, a household would need to earn about $57,959 a year.
The calculator's FHA and conventional loan limits are those of all of Mayes 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 Pryor Creek. 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 $5,824 (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
$1,352
at 7.18% · 30 years
Loan amount
$163,386
Total interest
$235,074
Paid off in
November 2056
Includes $2,810 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,046 a month
Tight
$1,046 to $1,345 a month
Hard
more than $1,345 a month
Your payment · 36%
Compared with the typical household income in Pryor Creek ($44,839 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,107
Property tax
$103
Home insurance
$69
FHA mortgage insurance (MIP)
$74
You need at least $5,824 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 $1,352; principal and interest $1,107.
The city and its county
Pryor Creek and Mayes County
Pryor Creek is in Mayes 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).
Pryor Creek
Map of Mayes County, Oklahoma, with Pryor Creek marked. Around it, the neighboring counties.
Pryor Creek
Mayes County
Other cities with a page
Pryor Creek's own numbers
Typical home value
$166,400
Typical monthly rent
$928
Typical yearly household income
$44,839
Households that own their home
54%
Effective property tax rate
0.74%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Mayes 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)
+59%
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 Mayes County.
A typical home in Pryor Creek is worth $166,400: 12% below the county and 17% below Oklahoma. With the typical household income in Pryor Creek ($44,839 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.
Pryor Creek3.7 years
Mayes3.1 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Mayes County
According to FHFA’s house price index, home prices in Mayes County rose 90% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Mayes County.
Yearly change in FHFA’s price index in Mayes County, 2016 to 2025
2016: −0.5% −0.5% 2016
2017: +8.9% +8.9% 2017
2018: −0.7% −0.7% 2018
2019: +9.2% +9.2% 2019
2020: +2.0% +2.0% 2020
2021: +17.2% +17.2% 2021
2022: +12.7% +12.7% 2022
2023: +11.4% +11.4% 2023
2024: +6.9% +6.9% 2024
2025: +0.9% +0.9% 2025
Change in FHFA’s price index in Mayes County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+0.9%
+2.6%
+2.9%
5 years (2020–2025)
+59%
+46%
+47%
10 years (2015–2025)
+90%
+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
Pryor Creek next to Mayes 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
Pryor Creek$166,400
Mayes$188,200
Oklahoma$199,800
United States$332,700
Typical monthly rent
Pryor Creek$928
Mayes$858
Oklahoma$1,014
United States$1,413
Typical yearly household income
Pryor Creek$44,839
Mayes$60,305
Oklahoma$65,039
United States$80,734
See the full table
Pryor Creek next to Mayes County and Oklahoma
Measure
Pryor Creek
Mayes County
Oklahoma
U.S.
Typical home value
$166,400 ▼12% below the county
$188,200
$199,800
$332,700
Typical monthly rent
$928 ▲8% above the county
$858
$1,014
$1,413
Typical yearly household income
$44,839 ▼26% below the county
$60,305
$65,039
$80,734
Households that own their home
54% ▼21 points below the county
74%
66%
65%
Typical yearly property tax
$1,239
$1,222
$1,599
$3,119
Effective property tax rate
0.74% ▲0.09 points above the county
0.65%
0.8%
0.94%
Renters with high rent for their income
46% ▲5 points above the county
41%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Mayes 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 Pryor Creek
For a typical $166,400 home in Pryor Creek, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pryor Creek's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,352a month
Least cash to close
Down payment
$5,824
Cash to close
$10,816
Rate
7.18%
Mortgage insurance
FHA MIP · $74
Conventional, 5% down$1,322a month
Down payment
$8,320
Cash to close
$13,312
Rate
7.18%
Mortgage insurance
PMI · $79
Conventional, 20% down, no PMI$1,074a month
Down payment
$33,280
Cash to close
$38,272
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,228a month
Down payment
$24,960
Cash to close
$29,952
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Pryor Creek
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,352
$5,824
$163,386
7.18%
FHA MIP · $74
$10,816
580
Conventional, 5% down
$1,322
$8,320
$158,080
7.18%
PMI · $79
$13,312
620*
Conventional, 20% down, no PMI
$1,074
$33,280
$133,120
7.18%
None
$38,272
620*
ITIN, 15% down (example)
$1,228
$24,960
$141,440
8.18%
None
$29,952
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 Pryor Creek is $928 a month: 8% above the county. In Pryor Creek, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Mayes 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 Mayes County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$714
$13.73
$28,560
1 bedroom
$719
$13.83
$28,760
2 bedrooms
$916
$17.62
$36,640
3 bedrooms
$1,219
$23.44
$48,760
4 bedrooms
$1,269
$24.40
$50,760
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 Pryor Creek
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pryor Creek is in ZIP code 74361.
For 2 bedrooms it is $980: $64 more than the fair market rent for Mayes County ($916).
Fair market rent by ZIP code and size in Pryor Creek, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
74361
$760
$770
$980
$1,300
$1,350
ZIP code2 bd3 bd
74361 $980$1,300
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pryor Creek 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)
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 Mayes 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 Pryor Creek or Mayes County. The ones below are statewide in Oklahoma: they work in Pryor Creek 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 Pryor Creek or Mayes 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 Pryor Creek and all of Mayes 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 Pryor Creek?
The typical home value in Pryor Creek is $166,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Mayes County it is $188,200.
How much does it cost to rent in Pryor Creek?
Typical rent in Pryor Creek is $928 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Mayes County is $916.
What is the FHA loan limit in Pryor Creek?
Pryor Creek uses the FHA limit for all of Mayes 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 Pryor Creek?
The typical homeowner in Pryor Creek pays $1,239 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Mayes County, the rate is 0.65%.
Where can I find free help to buy or rent in Pryor Creek?
We found no HUD-approved counseling agencies with an office in Mayes County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
