In Sand Springs, a typical home is worth $197,700 and typical rent is $1,002 a month. Compared with all of Tulsa County, the typical home value is 14% lower, typical rent is 10% lower, and the share of households that own their home is 12 points higher.
Sand Springs is in Tulsa 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 Tulsa County. See the county
What this place has that others do not, from public data, most unusual first.
1
71% of households in Sand Springs own their home, against 60% in Tulsa County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sand Springs
What homes there are in Sand Springs, 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
Sand Springs
Tulsa County
Oklahoma
United States
Kind of home: Sand Springs and its comparisons
Measure
Sand Springs
Tulsa County
Oklahoma
United States
Detached house
78%
69%
73%
61%
Attached house
2%
3%
2%
6%
Building of 2 to 4
4%
5%
5%
8%
Apartments (5 or more)
11%
22%
12%
19%
Mobile home
4%
2%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Sand Springs: 78% of homes, more than in Tulsa County (69%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Sand Springs
Tulsa County
Oklahoma
United States
Year built: Sand Springs and its comparisons
Measure
Sand Springs
Tulsa County
Oklahoma
United States
Before 1960
26%
23%
21%
26%
1960–1979
22%
29%
28%
24%
1980–1999
24%
24%
24%
25%
2000–2009
16%
12%
13%
14%
2010 or later
13%
12%
13%
11%
By age, homes in Sand Springs look like those in Tulsa County: the typical year built is 1981.
There is more room for a big family here: 70% of homes have 3 bedrooms or more, against 62% in Tulsa 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 $100K15%
$100K–$200K37%
$200K–$300K34%
$300K–$500K10%
$500K–$750K2%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Sand Springs and its comparisons
Measure
Sand Springs
Under $100K
15%
$100K–$200K
37%
$200K–$300K
34%
$300K–$500K
10%
$500K–$750K
2%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Tulsa County is $541,287, and about 96% of owner-occupied homes in Sand Springs are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5008%
$500–$99942%
$1,000–$1,49940%
HUD fair market rent, 2 bedrooms: $1,229
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sand Springs and its comparisons
Measure
Sand Springs
Under $500
8%
$500–$999
42%
$1,000–$1,499
40%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Tulsa County is $1,229; about 68% of rents in Sand Springs are below it.
With a mortgage
$1,558 a month
Tulsa County: $1,650 a month
Without a mortgage
$576 a month
Tulsa County: $601 a month
Owners with a mortgage
67%
Tulsa County: 60%
In Sand Springs, 67% of owners have a mortgage, and their typical cost is $1,558 a month, against $1,650 in Tulsa County. Without one it drops to $576.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sand Springs+55%
Tulsa County+47%
Oklahoma+46%
United States+53%
Typical rent
Sand Springs+15%
Tulsa County+28%
Oklahoma+25%
United States+33%
Typical household income
Sand Springs+30%
Tulsa County+24%
Oklahoma+23%
United States+29%
Change since 2015–2019: Sand Springs and its comparisons
Measure
Sand Springs
Tulsa County
Oklahoma
United States
Typical home value
+55%
+47%
+46%
+53%
Typical rent
+15%
+28%
+25%
+33%
Typical household income
+30%
+24%
+23%
+29%
From 2015–2019 to 2020–2024, the typical home value in Sand Springs rose 55%; in Tulsa County, it rose 47%.
Since 2015–2019, the typical rent in Sand Springs rose 15%, less than in Tulsa County (28%).
While home values in Sand Springs changed +55% and rent +15%, the typical household income rose 30%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sand Springs and its comparisons
Measure
Sand Springs
Tulsa County
Oklahoma
United States
Rental vacancy
6.9%
5.4%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
1.2%
0.9%
More than one person per room
3.2%
3.3%
2.9%
3.4%
People per household
2.58
2.46
2.50
2.53
Drive alone
80%
76%
77%
69%
Carpool
11%
9%
10%
9%
Public transit
Unreliable estimate
0%
0%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
7%
12%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
The rental vacancy rate in Sand Springs is 6.9%, higher than in Tulsa County (5.4%).
More than one person per room: that is how 3.2% of households in Sand Springs live, near the figure in Tulsa County (3.3%).
Much as in Tulsa County, a household in Sand Springs has 2.58 people on average.
To get to work, 80% of workers in Sand Springs drive alone; in Tulsa County, 76%.
Do the math
What would you pay each month for a home in Sand Springs?
A typical home is within reach of the typical income
We start with a typical home in Sand Springs, worth $197,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Sand Springs, which is $75,645 a year.
The calculator's FHA and conventional loan limits are those of all of Tulsa 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 Sand Springs. 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 $6,920 (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
$1,643
at 7.18% · 30 years
Loan amount
$194,119
Total interest
$279,291
Paid off in
November 2056
Includes $3,339 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,765 a month
Your payment · 26%
Tight
$1,765 to $2,269 a month
Hard
more than $2,269 a month
Compared with the typical household income in Sand Springs ($75,645 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,315
Property tax
$158
Home insurance
$82
FHA mortgage insurance (MIP)
$87
You need at least $6,920 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 $1,643; principal and interest $1,315.
The city and its county
Sand Springs and Tulsa County
Sand Springs is in Tulsa 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).
Sand Springs
Map of Tulsa County, Oklahoma, with Sand Springs marked. Around it, the neighboring counties.
Sand Springs
Tulsa County
Other cities with a page
Sand Springs's own numbers
Typical home value
$197,700
Typical monthly rent
$1,002
Typical yearly household income
$75,645
Households that own their home
71%
Effective property tax rate
0.96%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Tulsa County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,229
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
1.6%
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 Tulsa County.
A typical home in Sand Springs is worth $197,700: 14% below the county and about the same as Oklahoma. With the typical household income in Sand Springs ($75,645 a year), a typical home costs 2.6 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.
Sand Springs2.6 years
Tulsa3.3 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Tulsa County
According to FHFA’s house price index, home prices in Tulsa County rose 80% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Tulsa County.
Yearly change in FHFA’s price index in Tulsa County, 2016 to 2025
2016: +2.9% +2.9% 2016
2017: +4.2% +4.2% 2017
2018: +3.5% +3.5% 2018
2019: +3.9% +3.9% 2019
2020: +3.9% +3.9% 2020
2021: +10.9% +10.9% 2021
2022: +16.8% +16.8% 2022
2023: +7.2% +7.2% 2023
2024: +5.2% +5.2% 2024
2025: +3.0% +3.0% 2025
Change in FHFA’s price index in Tulsa County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+3.0%
+2.6%
+2.9%
5 years (2020–2025)
+51%
+46%
+47%
10 years (2015–2025)
+80%
+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
Sand Springs next to Tulsa 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
Sand Springs$197,700
Tulsa$230,400
Oklahoma$199,800
United States$332,700
Typical monthly rent
Sand Springs$1,002
Tulsa$1,110
Oklahoma$1,014
United States$1,413
Typical yearly household income
Sand Springs$75,645
Tulsa$69,009
Oklahoma$65,039
United States$80,734
See the full table
Sand Springs next to Tulsa County and Oklahoma
Measure
Sand Springs
Tulsa County
Oklahoma
U.S.
Typical home value
$197,700 ▼14% below the county
$230,400
$199,800
$332,700
Typical monthly rent
$1,002 ▼10% below the county
$1,110
$1,014
$1,413
Typical yearly household income
$75,645 ▲10% above the county
$69,009
$65,039
$80,734
Households that own their home
71% ▲12 points above the county
60%
66%
65%
Typical yearly property tax
$1,895 ▼15% below the county
$2,227
$1,599
$3,119
Effective property tax rate
0.96% ▼0.01 points below the county
0.97%
0.8%
0.94%
Renters with high rent for their income
39% ▼7 points below the county
46%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Tulsa 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 Sand Springs
For a typical $197,700 home in Sand Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sand Springs's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,643a month
Least cash to close
Down payment
$6,920
Cash to close
$12,851
Rate
7.18%
Mortgage insurance
FHA MIP · $87
Conventional, 5% down$1,607a month
Down payment
$9,885
Cash to close
$15,816
Rate
7.18%
Mortgage insurance
PMI · $94
Conventional, 20% down, no PMI$1,312a month
Down payment
$39,540
Cash to close
$45,471
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,495a month
Down payment
$29,655
Cash to close
$35,586
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sand Springs
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,643
$6,920
$194,119
7.18%
FHA MIP · $87
$12,851
580
Conventional, 5% down
$1,607
$9,885
$187,815
7.18%
PMI · $94
$15,816
620*
Conventional, 20% down, no PMI
$1,312
$39,540
$158,160
7.18%
None
$45,471
620*
ITIN, 15% down (example)
$1,495
$29,655
$168,045
8.18%
None
$35,586
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 Sand Springs is $1,002 a month: 10% below the county. In Sand Springs, 39% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Tulsa County, by unit size. To pay the 2-bedroom one ($1,229 a month) without spending more than 30% of your income, you would need to earn $23.63 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 Tulsa County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$947
$18.21
$37,880
1 bedroom
$1,007
$19.37
$40,280
2 bedrooms
$1,229
$23.63
$49,160
3 bedrooms
$1,611
$30.98
$64,440
4 bedrooms
$1,882
$36.19
$75,280
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 Sand Springs
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sand Springs is in ZIP code 74063.
For 2 bedrooms it is $1,160: $69 less than the fair market rent for Tulsa County ($1,229).
Fair market rent by ZIP code and size in Sand Springs, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
74063
$890
$950
$1,160
$1,520
$1,780
ZIP code2 bd3 bd
74063 $1,160$1,520
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sand Springs 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 3 buildings with rents for lower incomes in Sand Springs. These are the largest.
Lucile Page Manor253 E 41st St, Sand Springs 7406380 homes, 79 low-income · For older adults(918) 245-3288
Kirkwood Senior Complex400 E 6th St, Sand Springs 7406376 low-income homes · 1 bd: 75 · 2 bd: 1 · In service since 2018 · For older adults, families(918) 241-8622
Heartland Village109 E 38th St, Sand Springs 7406340 homes, 39 low-income · 1 bd: 38 · 2 bd: 2 · In service since 2012 · For older adults
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.
There are 2 HUD-approved agencies with an office in Tulsa County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Sand Springs or Tulsa County. The ones below are statewide in Oklahoma: they work in Sand Springs 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).
The HUD-approved agencies closest to the center of Sand Springs, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Sand Springs or Tulsa 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 Sand Springs and all of Tulsa 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 Sand Springs?
The typical home value in Sand Springs is $197,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Tulsa County it is $230,400.
How much does it cost to rent in Sand Springs?
Typical rent in Sand Springs is $1,002 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Tulsa County is $1,229.
What is the FHA loan limit in Sand Springs?
Sand Springs uses the FHA limit for all of Tulsa 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 Sand Springs?
The typical homeowner in Sand Springs pays $1,895 a year, according to the U.S. Census Bureau. That is 0.96% of the home’s value; in Tulsa County, the rate is 0.97%.
Where can I find free help to buy or rent in Sand Springs?
There are 2 HUD-approved counseling agencies with an office in Tulsa County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
