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City · 7,194 residents · Seminole County, Oklahoma

Seminole , Oklahoma

In Seminole, a typical home is worth $103,600 and typical rent is $744 a month. Compared with all of Seminole County, typical household income is 19% lower and the share of households that own their home is 14 points lower.

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  • Typical home value

    $103,600

    4% above the county

    48% below Oklahoma

    • Seminole
    • County
    • Oklahoma

  • Typical rent

    $744a month

    About the same as the county

    27% below Oklahoma

    • Seminole
    • County
    • Oklahoma

  • Typical household income

    $39,121a year

    19% below the county

    40% below Oklahoma

    • Seminole
    • County
    • Oklahoma

  • Households that own their home

    57%

    14 points below the county

    9 points below Oklahoma

    • Seminole
    • County
    • Oklahoma

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

Market now, with Zillow data

Zillow data
Typical home value
$132,664
7.2% more than 12 months ago

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

Seminole is in Seminole 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 Seminole County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Seminole apart

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

  1. Seminole has the 2nd lowest typical household income of the 75 cities in Oklahoma with more than 5,000 people ($39,121).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Seminole rose 7.2%; in Oklahoma, it rose 2.6%.

  3. 57% of households in Seminole own their home, against 71% in Seminole County.

  4. Seminole has the 5th lowest typical rent of the 75 cities in Oklahoma with more than 5,000 people ($744).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Seminole

What homes there are in Seminole, 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

As in Seminole County, most homes in Seminole are detached houses (78%).

Year built

Homes in Seminole are older: the typical year built is 1970; in Seminole County, 1976.

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
Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Seminole County is $916: about 65% of rents in Seminole are below it.

With a mortgage

$1,125 a month

Seminole County: $1,136 a month

Without a mortgage

$362 a month

Seminole County: $393 a month

Owners with a mortgage

40%

Seminole County: 37%

The typical cost for an owner with a mortgage in Seminole is $1,125 a month, near the figure in Seminole County ($1,136).

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

Since 2015–2019, homes in Seminole gained value faster than in Seminole County: 67% against 34%.

Rent in Seminole moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureSeminoleSeminole CountyOklahomaUnited States
Rental vacancy Unreliable estimate4.6%6.5%5.5%
Homeowner vacancy Unreliable estimate0.9%1.2%0.9%
More than one person per room Unreliable estimate3.5%2.9%3.4%
People per household 2.582.592.502.53
Drive alone 83%79%77%69%
Carpool 8%9%10%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike 4%2%2%3%
Work from home 4%8%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimateUnreliable estimate20 to 29 minutes

By size, households in Seminole look like those in Seminole County: 2.58 people on average.

In Seminole, 83% of workers drive alone to work; in Seminole County, 79%.

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 Seminole?

A typical home is within reach of the typical income

We start with a typical home in Seminole, worth $103,600, 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 Seminole, which is $39,121 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Seminole. 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 $3,626 (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

$839

at 7.18% · 30 years

Loan amount
$101,724
Total interest
$146,356
Paid off in
November 2056

Includes $1,750 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $913 a month

    Your payment · 26%

  • Tight

    $913 to $1,174 a month

  • Hard

    more than $1,174 a month

Compared with the typical household income in Seminole ($39,121 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$839
Principal & interest$689
Property tax$61
Home insurance$43
FHA mortgage insurance (MIP)$46

You need at least $3,626 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

Seminole and Seminole County

Seminole is in Seminole 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).

Seminole's own numbers

Typical home value
$103,600
Typical monthly rent
$744
Typical yearly household income
$39,121
Households that own their home
57%
Effective property tax rate
0.71%

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

Numbers for all of Seminole 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)
+30%
Homes in a high flood-risk zone
1.3%

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 Seminole County.

Everything about Seminole County

Buying

Buying a home in Seminole

A typical home in Seminole is worth $103,600: 4% above the county and 48% below Oklahoma. With the typical household income in Seminole ($39,121 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.

  • Seminole 2.6 years
  • County 2.1 years
  • Oklahoma 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Seminole County

According to FHFA’s house price index, home prices in Seminole County rose 51% in the 10 years through 2025.

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

Period County Oklahoma U.S.
Last year (2025) −14.2% +2.6% +2.9%
5 years (2020–2025) +30% +46% +47%
10 years (2015–2025) +51% +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

Seminole next to Seminole 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
  • Seminole $103,600
  • County $99,500
  • Oklahoma $199,800
  • United States $332,700
Typical monthly rent
  • Seminole $744
  • County $752
  • Oklahoma $1,014
  • United States $1,413
Typical yearly household income
  • Seminole $39,121
  • County $48,062
  • Oklahoma $65,039
  • United States $80,734
See the full table
Seminole next to Seminole County and Oklahoma
Measure Seminole Seminole County Oklahoma U.S.
Typical home value $103,600 $99,500 $199,800 $332,700
Typical monthly rent $744 $752 $1,014 $1,413
Typical yearly household income $39,121 $48,062 $65,039 $80,734
Households that own their home 57% 71% 66% 65%
Typical yearly property tax $731 $613 $1,599 $3,119
Effective property tax rate 0.71% 0.62% 0.8% 0.94%
Renters with high rent for their income 47% 46% 46% 51%

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

For a typical $103,600 home in Seminole, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Seminole's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $839a month

    Least cash to close
    Down payment
    $3,626
    Cash to close
    $6,734
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $46

  • Conventional, 5% down $820a month

    Down payment
    $5,180
    Cash to close
    $8,288
    Rate
    7.18%
    Mortgage insurance
    PMI · $49

  • Conventional, 20% down, no PMI $666a month

    Down payment
    $20,720
    Cash to close
    $23,828
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $762a month

    Down payment
    $15,540
    Cash to close
    $18,648
    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 Seminole and for Seminole County.

Property tax

Effective rate in Seminole

0.71%of the home’s value each year

$731 a year for the typical owner in Seminole.

  • Seminole 0.71%
  • County 0.62%
  • 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 Seminole County

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

Homes in the high-risk zone
1.3%
141
Of those, with NFIP insurance
14%
County Oklahoma U.S.
Homes in the high-risk zone 1.3% 2.2% 3.5%
Of those, with NFIP insurance 14% 13% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Seminole

Typical rent in Seminole is $744 a month: about the same as the county. In Seminole, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Seminole 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.

HUD fair market rent for all of Seminole 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 $650 $12.50 $26,000
1 bedroom $719 $13.83 $28,760
2 bedrooms $916 $17.62 $36,640
3 bedrooms $1,260 $24.23 $50,400
4 bedrooms $1,368 $26.31 $54,720

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 Seminole

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Seminole is in ZIP code 74868.

For 2 bedrooms it is $920: $4 more than the fair market rent for Seminole County ($916).

  • 74868 $920$1,270

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

HUD lists 5 buildings with rents for lower incomes in Seminole. These are the largest.

  • Elderly 509 N 4th St, Seminole 74868 120 low-income homes · Run by Housing Authority of the City of Seminole · Average payment: $329 a month · Average wait: 6 months (405) 382-3081
  • Seminole Springs Apts 701 N Harvey Rd, Seminole 74868 60 low-income homes · In service since 2004 · For families
  • Broadway Pointe Apts 900 W Broadway, Seminole 74868 46 low-income homes · 2 bd: 46 · In service since 2006 · For older adults
  • Brookstone Park of Seminole 1101 Clausing Blvd, Seminole 74868 38 homes, 37 low-income · 3 bd: 33 · 4 bd: 5 · In service since 2002
  • Autumn Ridge 1150 Roesler Blvd, Seminole 74868 11 low-income homes · For older adults (405) 275-3855

See all 14 buildings in Seminole County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Seminole

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Seminole

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

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

  • Chickasaw Nation Division of Housing

    111 Rosedale Rd, Ada · 30 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (580) 421-8817

  • Community Action Agency of Oklahoma City and Oklahoma/Canadian Counties, Inc.

    319 SW 25th St, Oklahoma City · 51 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (405) 232-0199

  • Neighborhood Housing Services Oklahoma City

    4101 N Classen Blvd Ste A, Oklahoma City · 53 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (405) 231-4663

All counseling agencies in Oklahoma

Help in Spanish near Seminole

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 Seminole

HUD’s record names them for Seminole or Seminole County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Seminole Public housing and Section 8 vouchers (405) 382-3081

3 other authorities have an office in Seminole County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Seminole County Housing in Oklahoma

Neighboring counties

If Seminole 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 Seminole.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Seminole

Short answers with the numbers for Seminole and all of Seminole 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 Seminole?

The typical home value in Seminole is $103,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Seminole County it is $99,500.

How much does it cost to rent in Seminole?

Typical rent in Seminole is $744 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Seminole County is $916.

What is the FHA loan limit in Seminole?

Seminole uses the FHA limit for all of Seminole 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 Seminole?

The typical homeowner in Seminole pays $731 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in Seminole County, the rate is 0.62%.

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

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