In Purcell, a typical home is worth $171,600 and typical rent is $868 a month. Compared with all of McClain County, the typical home value is 33% lower, typical household income is 25% lower, and the share of households that own their home is 22 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $173,052 to $223,383.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Purcell is in McClain 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 McClain County. See the county
What this place has that others do not, from public data, most unusual first.
1
57% of households in Purcell own their home, against 79% in McClain County.
2
The typical home in Purcell is worth $171,600,33% less than in McClain County as a whole ($255,900).
3
The typical household income in Purcell is $63,457,25% less than in McClain County as a whole ($84,552).
4
Purcell has the 5th largest share of rent-burdened renters of the 70 cities in Oklahoma with more than 5,000 people (56%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Purcell
What homes there are in Purcell, 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
Purcell
McClain County
Oklahoma
United States
Kind of home: Purcell and its comparisons
Measure
Purcell
McClain County
Oklahoma
United States
Detached house
78%
83%
73%
61%
Attached house
Unreliable estimate
Unreliable estimate
2%
6%
Building of 2 to 4
Unreliable estimate
2%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
12%
19%
Mobile home
9%
10%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Purcell, but it weighs less than in McClain County: 78% against 83%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Purcell
McClain County
Oklahoma
United States
Year built: Purcell and its comparisons
Measure
Purcell
McClain County
Oklahoma
United States
Before 1960
24%
9%
21%
26%
1960–1979
19%
18%
28%
24%
1980–1999
36%
26%
24%
25%
2000–2009
9%
19%
13%
14%
2010 or later
12%
28%
13%
11%
The typical home in Purcell was built in 1983, 14 years before the typical one in McClain 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 $100K29%
$100K–$200K30%
$200K–$300K27%
$300K–$500K13%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Purcell and its comparisons
Measure
Purcell
Under $100K
29%
$100K–$200K
30%
$200K–$300K
27%
$300K–$500K
13%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
At least 99% of owner-occupied homes in Purcell are worth less than $500,000, below the FHA loan limit for McClain County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99966%
$1,000–$1,49926%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Purcell and its comparisons
Measure
Purcell
Under $500
Unreliable estimate
$500–$999
66%
$1,000–$1,499
26%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,554 a month
McClain County: $1,802 a month
Without a mortgage
$458 a month
McClain County: $580 a month
Owners with a mortgage
60%
McClain County: 61%
The typical cost for an owner with a mortgage in Purcell is $1,554 a month, less than in McClain County ($1,802); without one, $458.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
PurcellNo clear change
McClain County+44%
Oklahoma+46%
United States+53%
Typical rent
PurcellNo clear change
McClain County+22%
Oklahoma+25%
United States+33%
Typical household income
Purcell+19%
McClain County+25%
Oklahoma+23%
United States+29%
Change since 2015–2019: Purcell and its comparisons
Measure
Purcell
McClain County
Oklahoma
United States
Typical home value
No clear change
+44%
+46%
+53%
Typical rent
No clear change
+22%
+25%
+33%
Typical household income
+19%
+25%
+23%
+29%
The typical home value in Purcell stayed about the same since 2015–2019: the Census sees no clear change.
Since 2015–2019, the typical rent in Purcell did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Purcell and its comparisons
Measure
Purcell
McClain County
Oklahoma
United States
Rental vacancy
Unreliable estimate
3.3%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.2%
0.9%
More than one person per room
Unreliable estimate
2.1%
2.9%
3.4%
People per household
2.59
2.74
2.50
2.53
Drive alone
82%
80%
77%
69%
Carpool
9%
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
8%
10%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
Households in Purcell are smaller: 2.59 people on average; in McClain County, 2.74.
To get to work, 82% of workers in Purcell drive alone; in McClain County, 80%.
Do the math
What would you pay each month for a home in Purcell?
A typical home is within reach of the typical income
We start with a typical home in Purcell, worth $171,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Purcell, which is $63,457 a year.
The calculator's FHA and conventional loan limits are those of all of McClain 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 Purcell. 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 $6,006 (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
$1,405
at 7.18% · 30 years
Loan amount
$168,492
Total interest
$242,420
Paid off in
November 2056
Includes $2,898 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,481 a month
Your payment · 27%
Tight
$1,481 to $1,904 a month
Hard
more than $1,904 a month
Compared with the typical household income in Purcell ($63,457 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,141
Property tax
$116
Home insurance
$72
FHA mortgage insurance (MIP)
$76
You need at least $6,006 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 $1,405; principal and interest $1,141.
The city and its county
Purcell and McClain County
Purcell is in McClain 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).
Purcell
Map of McClain County, Oklahoma, with Purcell marked. Around it, the neighboring counties.
Purcell
McClain County
Other cities with a page
Purcell's own numbers
Typical home value
$171,600
Typical monthly rent
$868
Typical yearly household income
$63,457
Households that own their home
57%
Effective property tax rate
0.81%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of McClain County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,264
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
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 McClain County.
A typical home in Purcell is worth $171,600: 33% below the county and 14% below Oklahoma. With the typical household income in Purcell ($63,457 a year), a typical home costs 2.7 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.
Purcell2.7 years
McClain3.0 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in McClain County
According to FHFA’s house price index, home prices in McClain County rose 72% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of McClain County.
Yearly change in FHFA’s price index in McClain County, 2016 to 2025
2016: +1.4% +1.4% 2016
2017: +4.6% +4.6% 2017
2018: +0.8% +0.8% 2018
2019: +5.1% +5.1% 2019
2020: +3.4% +3.4% 2020
2021: +12.1% +12.1% 2021
2022: +18.2% +18.2% 2022
2023: +6.7% +6.7% 2023
2024: +4.6% +4.6% 2024
2025: +0.3% +0.3% 2025
Change in FHFA’s price index in McClain County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+0.3%
+2.6%
+2.9%
5 years (2020–2025)
+48%
+46%
+47%
10 years (2015–2025)
+72%
+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
Purcell next to McClain 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
Purcell$171,600
McClain$255,900
Oklahoma$199,800
United States$332,700
Typical monthly rent
Purcell$868
McClain$954
Oklahoma$1,014
United States$1,413
Typical yearly household income
Purcell$63,457
McClain$84,552
Oklahoma$65,039
United States$80,734
See the full table
Purcell next to McClain County and Oklahoma
Measure
Purcell
McClain County
Oklahoma
U.S.
Typical home value
$171,600 ▼33% below the county
$255,900
$199,800
$332,700
Typical monthly rent
$868 ▼9% below the county
$954
$1,014
$1,413
Typical yearly household income
$63,457 ▼25% below the county
$84,552
$65,039
$80,734
Households that own their home
57% ▼22 points below the county
79%
66%
65%
Typical yearly property tax
$1,392 ▼31% below the county
$2,023
$1,599
$3,119
Effective property tax rate
0.81% ▲0.02 points above the county
0.79%
0.8%
0.94%
Renters with high rent for their income
56% ▲6 points above the county
50%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below McClain 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 Purcell
For a typical $171,600 home in Purcell, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Purcell's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,405a month
Least cash to close
Down payment
$6,006
Cash to close
$11,154
Rate
7.18%
Mortgage insurance
FHA MIP · $76
Conventional, 5% down$1,373a month
Down payment
$8,580
Cash to close
$13,728
Rate
7.18%
Mortgage insurance
PMI · $82
Conventional, 20% down, no PMI$1,117a month
Down payment
$34,320
Cash to close
$39,468
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,276a month
Down payment
$25,740
Cash to close
$30,888
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Purcell
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,405
$6,006
$168,492
7.18%
FHA MIP · $76
$11,154
580
Conventional, 5% down
$1,373
$8,580
$163,020
7.18%
PMI · $82
$13,728
620*
Conventional, 20% down, no PMI
$1,117
$34,320
$137,280
7.18%
None
$39,468
620*
ITIN, 15% down (example)
$1,276
$25,740
$145,860
8.18%
None
$30,888
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 Purcell is $868 a month: 9% below the county. In Purcell, 56% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of McClain County, by unit size. To pay the 2-bedroom one ($1,264 a month) without spending more than 30% of your income, you would need to earn $24.31 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 McClain County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$958
$18.42
$38,320
1 bedroom
$1,040
$20.00
$41,600
2 bedrooms
$1,264
$24.31
$50,560
3 bedrooms
$1,713
$32.94
$68,520
4 bedrooms
$1,923
$36.98
$76,920
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 Purcell
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Purcell is in ZIP code 73080.
For 2 bedrooms it is $1,030: $234 less than the fair market rent for McClain County ($1,264).
Fair market rent by ZIP code and size in Purcell, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
73080
$780
$850
$1,030
$1,400
$1,570
ZIP code2 bd3 bd
73080 $1,030$1,400
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Purcell 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 McClain 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 Purcell or McClain County. The ones below are statewide in Oklahoma: they work in Purcell 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 Purcell or McClain 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 Purcell and all of McClain 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 Purcell?
The typical home value in Purcell is $171,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in McClain County it is $255,900.
How much does it cost to rent in Purcell?
Typical rent in Purcell is $868 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in McClain County is $1,264.
What is the FHA loan limit in Purcell?
Purcell uses the FHA limit for all of McClain 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 Purcell?
The typical homeowner in Purcell pays $1,392 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in McClain County, the rate is 0.79%.
Where can I find free help to buy or rent in Purcell?
We found no HUD-approved counseling agencies with an office in McClain County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
