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City · 8,605 residents · Sequoyah County, Oklahoma

Sallisaw , Oklahoma

In Sallisaw, a typical home is worth $134,100 and typical rent is $826 a month. Compared with all of Sequoyah County, typical household income is 6% lower and the share of households that own their home is 17 points lower.

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  • Typical home value

    $134,100

    4% below the county

    33% below Oklahoma

    • Sallisaw
    • Sequoyah
    • Oklahoma

  • Typical rent

    $826a month

    About the same as the county

    19% below Oklahoma

    • Sallisaw
    • Sequoyah
    • Oklahoma

  • Typical household income

    $48,036a year

    6% below the county

    26% below Oklahoma

    • Sallisaw
    • Sequoyah
    • Oklahoma

  • Households that own their home

    54%

    17 points below the county

    12 points below Oklahoma

    • Sallisaw
    • Sequoyah
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$182,094
4.2% more than 12 months ago

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

Sallisaw is in Sequoyah 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 Sequoyah County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sallisaw apart

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

  1. 54% of households in Sallisaw own their home, against 71% in Sequoyah County.

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

The homes here

Housing in Sallisaw

What homes there are in Sallisaw, 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 Sallisaw: 72% of homes, near the figure in Sequoyah County (71%).

Year built

The typical home in Sallisaw was built in 1979, 7 years before the typical one in Sequoyah 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

With an FHA limit of $541,287, at least 98% of owner-occupied homes in Sallisaw sit below it: they are worth less than $500,000.

Monthly rent with utilities

About 68% of rented homes in Sallisaw cost less than HUD's 2-bedroom fair market rent for Sequoyah County ($979).

With a mortgage

$1,075 a month

Sequoyah County: $1,156 a month

Without a mortgage

$482 a month

Sequoyah County: $431 a month

Owners with a mortgage

54%

Sequoyah County: 47%

The typical cost for an owner with a mortgage in Sallisaw is $1,075 a month, less than in Sequoyah County ($1,156); without one, $482.

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 Sallisaw gained value more slowly than in Sequoyah County: 28% since 2015–2019, against 43%.

Since 2015–2019, the typical rent in Sallisaw rose 27%, more than in Sequoyah County (19%).

Income in Sallisaw grew faster than housing: it rose 45%, while home values changed +28% and rent +27%.

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

MeasureSallisawSequoyah CountyOklahomaUnited States
Rental vacancy Unreliable estimate5.5%6.5%5.5%
Homeowner vacancy Unreliable estimate0.6%1.2%0.9%
More than one person per room Unreliable estimate3.9%2.9%3.4%
People per household 2.452.552.502.53
Drive alone 78%82%77%69%
Carpool 9%10%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 5%5%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes20 to 29 minutesUnreliable estimate20 to 29 minutes

A household in Sallisaw has 2.45 people on average, about the same as in Sequoyah County (2.55).

To get to work, 78% of workers in Sallisaw drive alone; in Sequoyah County, 82%.

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 Sallisaw?

A typical home is within reach of the typical income

We start with a typical home in Sallisaw, worth $134,100, 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 Sallisaw, which is $48,036 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Sallisaw. 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 $4,694 (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

$1,074

at 7.18% · 30 years

Loan amount
$131,671
Total interest
$189,443
Paid off in
November 2056

Includes $2,265 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,121 a month

    Your payment · 27%

  • Tight

    $1,121 to $1,441 a month

  • Hard

    more than $1,441 a month

Compared with the typical household income in Sallisaw ($48,036 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,074
Principal & interest$892
Property tax$67
Home insurance$56
FHA mortgage insurance (MIP)$59

You need at least $4,694 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

Sallisaw and Sequoyah County

Sallisaw is in Sequoyah 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).

Sallisaw's own numbers

Typical home value
$134,100
Typical monthly rent
$826
Typical yearly household income
$48,036
Households that own their home
54%
Effective property tax rate
0.6%

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

Numbers for all of Sequoyah County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$979
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
4.3%

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 Sequoyah County.

Everything about Sequoyah County

Buying

Buying a home in Sallisaw

A typical home in Sallisaw is worth $134,100: 4% below the county and 33% below Oklahoma. With the typical household income in Sallisaw ($48,036 a year), a typical home costs 2.8 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.

  • Sallisaw 2.8 years
  • Sequoyah 2.7 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sequoyah County

According to FHFA’s house price index, home prices in Sequoyah County rose 67% in the 10 years through 2025.

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

Period County Oklahoma U.S.
Last year (2025) +3.3% +2.6% +2.9%
5 years (2020–2025) +48% +46% +47%
10 years (2015–2025) +67% +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

Sallisaw next to Sequoyah 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
  • Sallisaw $134,100
  • Sequoyah $139,400
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Sallisaw $826
  • Sequoyah $811
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Sallisaw $48,036
  • Sequoyah $51,093
  • Oklahoma $65,039
  • United States $80,734
See the full table
Sallisaw next to Sequoyah County and Oklahoma
Measure Sallisaw Sequoyah County Oklahoma U.S.
Typical home value $134,100 $139,400 $199,800 $332,700
Typical monthly rent $826 $811 $1,014 $1,413
Typical yearly household income $48,036 $51,093 $65,039 $80,734
Households that own their home 54% 71% 66% 65%
Typical yearly property tax $807 $761 $1,599 $3,119
Effective property tax rate 0.6% 0.55% 0.8% 0.94%
Renters with high rent for their income 45% 44% 46% 51%

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

For a typical $134,100 home in Sallisaw, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sallisaw's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,074a month

    Least cash to close
    Down payment
    $4,694
    Cash to close
    $8,717
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $59

  • Conventional, 5% down $1,050a month

    Down payment
    $6,705
    Cash to close
    $10,728
    Rate
    7.18%
    Mortgage insurance
    PMI · $64

  • Conventional, 20% down, no PMI $850a month

    Down payment
    $26,820
    Cash to close
    $30,843
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $974a month

    Down payment
    $20,115
    Cash to close
    $24,138
    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 Sallisaw and for Sequoyah County.

Property tax

Effective rate in Sallisaw

0.6%of the home’s value each year

$807 a year for the typical owner in Sallisaw.

  • Sallisaw 0.6%
  • Sequoyah 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 Sequoyah County

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

Homes in the high-risk zone
4.3%
741
Of those, with NFIP insurance
7.3%
County Oklahoma U.S.
Homes in the high-risk zone 4.3% 2.2% 3.5%
Of those, with NFIP insurance 7.3% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sallisaw

Typical rent in Sallisaw is $826 a month: about the same as the county. In Sallisaw, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sequoyah County, by unit size. To pay the 2-bedroom one ($979 a month) without spending more than 30% of your income, you would need to earn $18.83 an hour working full time.

HUD fair market rent for all of Sequoyah 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 $741 $14.25 $29,640
1 bedroom $748 $14.38 $29,920
2 bedrooms $979 $18.83 $39,160
3 bedrooms $1,324 $25.46 $52,960
4 bedrooms $1,625 $31.25 $65,000

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 Sallisaw

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sallisaw is in ZIP code 74955.

For 2 bedrooms it is $1,000: $21 more than the fair market rent for Sequoyah County ($979).

  • 74955 $1,000$1,350

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

HUD lists 7 buildings with rents for lower incomes in Sallisaw. These are the largest.

  • Tsa La Gi Village Apts 406 Tsalagi Ln, Sallisaw 74955 90 low-income homes · For older adults (918) 775-6208
  • Village West 404 Village West Pl, Sallisaw 74955 80 homes, 52 low-income · For families (918) 775-9292
  • Mayfair Place Apts 1901 W Ruth Ave, Sallisaw 74955 52 low-income homes
  • Mayfair Place II 1901 W Ruth Ave, Sallisaw 74955 47 low-income homes
  • Garden Walk Apts 307 S J T Stites St, Sallisaw 74955 36 homes, 35 low-income · 1 bd: 4 · 2 bd: 24 · 3 bd: 8 · In service since 1999

See all 16 buildings in Sequoyah County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Sallisaw

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Sallisaw

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

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

  • Quickcert, Inc.

    7122 S Sheridan Rd Ste 2, Tulsa · 74 miles away · Spanish

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

  • Tulsa Habitat for Humanity

    6235 E 13th St, Tulsa · 78 miles away

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

  • Housing Authority of the Choctaw Nation of Oklahoma

    403 Chata Cir, Hugo · 108 miles away

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

All counseling agencies in Oklahoma

Help in Spanish near Sallisaw

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 Sallisaw

HUD lists no housing authority with an office in Sequoyah County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Oklahoma Source: HUD

Cities

Nearby cities

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

Everything about Sequoyah County Housing in Oklahoma

Neighboring counties

If Sequoyah 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 Sallisaw.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Sallisaw

Short answers with the numbers for Sallisaw and all of Sequoyah 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 Sallisaw?

The typical home value in Sallisaw is $134,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sequoyah County it is $139,400.

How much does it cost to rent in Sallisaw?

Typical rent in Sallisaw is $826 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sequoyah County is $979.

What is the FHA loan limit in Sallisaw?

Sallisaw uses the FHA limit for all of Sequoyah 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 Sallisaw?

The typical homeowner in Sallisaw pays $807 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in Sequoyah County, the rate is 0.55%.

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

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