In Sapulpa, a typical home is worth $171,600 and typical rent is $1,057 a month. Compared with all of Creek County, typical rent is 13% higher, the typical home value is 6% lower, and the share of households that own their home is 9 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $175,000 to $218,971.
Typical rent
$1,305a month
Typical rent from Zillow, December 2025 to September 2026: from $1,261 to $1,305.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sapulpa is in Creek 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 Creek County. See the county
What this place has that others do not, from public data, most unusual first.
1
66% of households in Sapulpa own their home, against 74% in Creek County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sapulpa
What homes there are in Sapulpa, 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
Sapulpa
Creek County
Oklahoma
United States
Kind of home: Sapulpa and its comparisons
Measure
Sapulpa
Creek County
Oklahoma
United States
Detached house
79%
72%
73%
61%
Attached house
Unreliable estimate
2%
2%
6%
Building of 2 to 4
5%
4%
5%
8%
Apartments (5 or more)
8%
4%
12%
19%
Mobile home
4%
18%
8%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
The detached house rules in Sapulpa: 79% of homes, more than in Creek County (72%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Sapulpa
Creek County
Oklahoma
United States
Year built: Sapulpa and its comparisons
Measure
Sapulpa
Creek County
Oklahoma
United States
Before 1960
23%
15%
21%
26%
1960–1979
32%
28%
28%
24%
1980–1999
18%
26%
24%
25%
2000–2009
16%
17%
13%
14%
2010 or later
11%
14%
13%
11%
Homes in Sapulpa are older: the typical year built is 1977; in Creek County, 1985.
In Sapulpa, 9% of homes have 1 bedroom or none (studios); 67% have 3 bedrooms or more, against 71% in Creek 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 $100K18%
$100K–$200K43%
$200K–$300K23%
$300K–$500K11%
$500K–$750K3%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Sapulpa and its comparisons
Measure
Sapulpa
Under $100K
18%
$100K–$200K
43%
$200K–$300K
23%
$300K–$500K
11%
$500K–$750K
3%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
By price, most homes in Sapulpa sit under the FHA limit for Creek County ($541,287): about 96%.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5006%
$500–$99938%
$1,000–$1,49940%
HUD fair market rent, 2 bedrooms: $1,229
$1,500–$1,99910%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sapulpa and its comparisons
Measure
Sapulpa
Under $500
6%
$500–$999
38%
$1,000–$1,499
40%
$1,500–$1,999
10%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
Measured against HUD's 2-bedroom fair market rent ($1,229), about 63% of rented homes in Sapulpa cost less.
With a mortgage
$1,416 a month
Creek County: $1,424 a month
Without a mortgage
$504 a month
Creek County: $467 a month
Owners with a mortgage
56%
Creek County: 50%
Owning costs about the same in Sapulpa as in Creek County: with a mortgage, $1,416 a month; without one, $504.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sapulpa+45%
Creek County+48%
Oklahoma+46%
United States+53%
Typical rent
Sapulpa+19%
Creek County+17%
Oklahoma+25%
United States+33%
Typical household income
Sapulpa+24%
Creek County+22%
Oklahoma+23%
United States+29%
Change since 2015–2019: Sapulpa and its comparisons
Measure
Sapulpa
Creek County
Oklahoma
United States
Typical home value
+45%
+48%
+46%
+53%
Typical rent
+19%
+17%
+25%
+33%
Typical household income
+24%
+22%
+23%
+29%
The typical home value in Sapulpa rose 45% since 2015–2019, less than in Creek County (48%).
Rents in Sapulpa rose at about the same pace as in Creek County: 19% since 2015–2019, against 17%.
The typical household income in Sapulpa rose 24% over that time; home values changed +45% and rent +19%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sapulpa and its comparisons
Measure
Sapulpa
Creek County
Oklahoma
United States
Rental vacancy
3.0%
4.6%
6.5%
5.5%
Homeowner vacancy
1.4%
1.2%
1.2%
0.9%
More than one person per room
3.7%
3.3%
2.9%
3.4%
People per household
2.48
2.55
2.50
2.53
Drive alone
80%
79%
77%
69%
Carpool
10%
9%
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
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
In Sapulpa, the rental vacancy rate is 3.0%; in Creek County, 4.6%.
Much as in Creek County, 3.7% of households in Sapulpa have more than one person per room.
By size, households in Sapulpa look like those in Creek County: 2.48 people on average.
The car rules in Sapulpa: 80% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Sapulpa?
A typical home is within reach of the typical income
We start with a typical home in Sapulpa, 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 Sapulpa, which is $63,817 a year.
The calculator's FHA and conventional loan limits are those of all of Creek 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 Sapulpa. 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
$1,412
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 $1,489 a month
Your payment · 27%
Tight
$1,489 to $1,915 a month
Hard
more than $1,915 a month
Compared with the typical household income in Sapulpa ($63,817 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
$123
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 $1,412; principal and interest $1,141.
The city and its county
Sapulpa and Creek County
Sapulpa is in Creek 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).
Sapulpa
Map of Creek County, Oklahoma, with Sapulpa marked. Around it, the neighboring counties.
Sapulpa
Creek County
Other cities with a page
Sapulpa's own numbers
Typical home value
$171,600
Typical monthly rent
$1,057
Typical yearly household income
$63,817
Households that own their home
66%
Effective property tax rate
0.86%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Creek 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)
+58%
Homes in a high flood-risk zone
2.7%
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 Creek County.
A typical home in Sapulpa is worth $171,600: 6% below the county and 14% below Oklahoma. With the typical household income in Sapulpa ($63,817 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.
Sapulpa2.7 years
Creek2.9 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Creek County
According to FHFA’s house price index, home prices in Creek County rose 82% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Creek County.
Yearly change in FHFA’s price index in Creek County, 2016 to 2025
2016: +0.0% +0.0% 2016
2017: +5.0% +5.0% 2017
2018: +2.0% +2.0% 2018
2019: +3.1% +3.1% 2019
2020: +4.2% +4.2% 2020
2021: +11.9% +11.9% 2021
2022: +19.9% +19.9% 2022
2023: +6.8% +6.8% 2023
2024: +0.2% +0.2% 2024
2025: +10.2% +10.2% 2025
Change in FHFA’s price index in Creek County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+10.2%
+2.6%
+2.9%
5 years (2020–2025)
+58%
+46%
+47%
10 years (2015–2025)
+82%
+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
Sapulpa next to Creek 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
Sapulpa$171,600
Creek$182,100
Oklahoma$199,800
United States$332,700
Typical monthly rent
Sapulpa$1,057
Creek$936
Oklahoma$1,014
United States$1,413
Typical yearly household income
Sapulpa$63,817
Creek$62,338
Oklahoma$65,039
United States$80,734
See the full table
Sapulpa next to Creek County and Oklahoma
Measure
Sapulpa
Creek County
Oklahoma
U.S.
Typical home value
$171,600 ▼6% below the county
$182,100
$199,800
$332,700
Typical monthly rent
$1,057 ▲13% above the county
$936
$1,014
$1,413
Typical yearly household income
$63,817 ▲2% above the county
$62,338
$65,039
$80,734
Households that own their home
66% ▼9 points below the county
74%
66%
65%
Typical yearly property tax
$1,469 ▲13% above the county
$1,298
$1,599
$3,119
Effective property tax rate
0.86% ▲0.15 points above the county
0.71%
0.8%
0.94%
Renters with high rent for their income
43% ▲2 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 Creek 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 Sapulpa
For a typical $171,600 home in Sapulpa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sapulpa's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,412a 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$1,380a month
Down payment
$8,580
Cash to close
$13,728
Rate
7.18%
Mortgage insurance
PMI · $82
Conventional, 20% down, no PMI$1,124a month
Down payment
$34,320
Cash to close
$39,468
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,283a 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 Sapulpa
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,412
$6,006
$168,492
7.18%
FHA MIP · $76
$11,154
580
Conventional, 5% down
$1,380
$8,580
$163,020
7.18%
PMI · $82
$13,728
620*
Conventional, 20% down, no PMI
$1,124
$34,320
$137,280
7.18%
None
$39,468
620*
ITIN, 15% down (example)
$1,283
$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 Sapulpa is $1,057 a month: 13% above the county. In Sapulpa, 43% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Creek 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 Creek 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 Sapulpa
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sapulpa is in ZIP code 74066.
For 2 bedrooms it is $1,150: $79 less than the fair market rent for Creek County ($1,229).
Fair market rent by ZIP code and size in Sapulpa, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
74066
$890
$940
$1,150
$1,510
$1,760
ZIP code2 bd3 bd
74066 $1,150$1,510
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sapulpa 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 Creek 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 Sapulpa or Creek County. The ones below are statewide in Oklahoma: they work in Sapulpa 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 Sapulpa or Creek 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 Sapulpa and all of Creek 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 Sapulpa?
The typical home value in Sapulpa is $171,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Creek County it is $182,100.
How much does it cost to rent in Sapulpa?
Typical rent in Sapulpa is $1,057 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Creek County is $1,229.
What is the FHA loan limit in Sapulpa?
Sapulpa uses the FHA limit for all of Creek 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 Sapulpa?
The typical homeowner in Sapulpa pays $1,469 a year, according to the U.S. Census Bureau. That is 0.86% of the home’s value; in Creek County, the rate is 0.71%.
Where can I find free help to buy or rent in Sapulpa?
We found no HUD-approved counseling agencies with an office in Creek County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
