City · 31,671 residents · Pottawatomie County, Oklahoma
Shawnee, Oklahoma
In Shawnee, a typical home is worth $160,100 and typical rent is $936 a month. Compared with all of Pottawatomie County, typical household income is 9% lower and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $140,546 to $178,552.
Typical rent
$1,117a month
▲ 2.3% more than 12 months ago
Typical rent from Zillow, March 2023 to September 2026: from $1,010 to $1,117.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Shawnee is in Pottawatomie 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 Pottawatomie County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Seminole, the typical home value is $103,600: 35% less than in Shawnee ($160,100).
2
Nearby, in Seminole, the typical rent is $744: 21% less than in Shawnee ($936).
3
58% of households in Shawnee own their home, against 70% in Pottawatomie County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Shawnee
What homes there are in Shawnee, 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
Shawnee
Pottawatomie County
Oklahoma
United States
Kind of home: Shawnee and its comparisons
Measure
Shawnee
Pottawatomie County
Oklahoma
United States
Detached house
79%
75%
73%
61%
Attached house
1%
1%
2%
6%
Building of 2 to 4
10%
6%
5%
8%
Apartments (5 or more)
8%
5%
12%
19%
Mobile home
2%
12%
8%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
Detached houses, standing on their own, make up 79% of homes here, against 75% in Pottawatomie County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Shawnee
Pottawatomie County
Oklahoma
United States
Year built: Shawnee and its comparisons
Measure
Shawnee
Pottawatomie County
Oklahoma
United States
Before 1960
33%
22%
21%
26%
1960–1979
30%
29%
28%
24%
1980–1999
17%
23%
24%
25%
2000–2009
11%
15%
13%
14%
2010 or later
9%
12%
13%
11%
The typical home in Shawnee was built in 1973, 7 years before the typical one in Pottawatomie County.
There are fewer big homes in Shawnee than in Pottawatomie County: 63% have 3 bedrooms or more, against 69%.
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 $100K32%
$100K–$200K29%
$200K–$300K20%
$300K–$500K15%
$500K–$750K3%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Shawnee and its comparisons
Measure
Shawnee
Under $100K
32%
$100K–$200K
29%
$200K–$300K
20%
$300K–$500K
15%
$500K–$750K
3%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Pottawatomie County is $541,287, and about 97% of owner-occupied homes in Shawnee are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50012%
$500–$99945%
HUD fair market rent, 2 bedrooms: $949
$1,000–$1,49934%
$1,500–$1,9998%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Shawnee and its comparisons
Measure
Shawnee
Under $500
12%
$500–$999
45%
$1,000–$1,499
34%
$1,500–$1,999
8%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
About 53% of rented homes in Shawnee cost less than HUD's 2-bedroom fair market rent for Pottawatomie County ($949); the rest cost more.
With a mortgage
$1,286 a month
Pottawatomie County: $1,322 a month
Without a mortgage
$483 a month
Pottawatomie County: $444 a month
Owners with a mortgage
52%
Pottawatomie County: 50%
Owning costs about the same in Shawnee as in Pottawatomie County: with a mortgage, $1,286 a month; without one, $483.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Shawnee+46%
Pottawatomie County+37%
Oklahoma+46%
United States+53%
Typical rent
Shawnee+34%
Pottawatomie County+25%
Oklahoma+25%
United States+33%
Typical household income
Shawnee+38%
Pottawatomie County+25%
Oklahoma+23%
United States+29%
Change since 2015–2019: Shawnee and its comparisons
Measure
Shawnee
Pottawatomie County
Oklahoma
United States
Typical home value
+46%
+37%
+46%
+53%
Typical rent
+34%
+25%
+25%
+33%
Typical household income
+38%
+25%
+23%
+29%
The typical home value in Shawnee rose 46% since 2015–2019, more than in Pottawatomie County (37%).
The typical rent in Shawnee rose 34% over the same time; in Pottawatomie County, it rose 25%.
While home values in Shawnee changed +46% and rent +34%, the typical household income rose 38%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Shawnee and its comparisons
Measure
Shawnee
Pottawatomie County
Oklahoma
United States
Rental vacancy
3.9%
3.4%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
1.2%
0.9%
More than one person per room
2.8%
2.9%
2.9%
3.4%
People per household
2.52
2.59
2.50
2.53
Drive alone
80%
79%
77%
69%
Carpool
9%
10%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
2%
2%
2%
3%
Work from home
7%
8%
9%
15%
Other means
2%
1%
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
Unreliable estimate
20 to 29 minutes
Much as in Pottawatomie County, the rental vacancy rate in Shawnee is 3.9%.
In Shawnee, 2.8% of households live with more than one person per room, about the same as in Pottawatomie County.
A household in Shawnee has 2.52 people on average, about the same as in Pottawatomie County (2.59).
In Shawnee, 80% of workers drive alone to work; in Pottawatomie County, 79%.
Do the math
What would you pay each month for a home in Shawnee?
A typical home is tight for the typical income
We start with a typical home in Shawnee, worth $160,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Shawnee, which is $55,815 a year. For that payment to be 28% of income, a household would need to earn about $56,051 a year.
The calculator's FHA and conventional loan limits are those of all of Pottawatomie 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 Shawnee. 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 $5,604 (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
$1,308
at 7.18% · 30 years
Loan amount
$157,200
Total interest
$226,173
Paid off in
November 2056
Includes $2,704 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,302 a month
Tight
$1,302 to $1,674 a month
Your payment · 28%
Hard
more than $1,674 a month
Compared with the typical household income in Shawnee ($55,815 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,065
Property tax
$105
Home insurance
$67
FHA mortgage insurance (MIP)
$71
You need at least $5,604 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 $1,308; principal and interest $1,065.
The city and its county
Shawnee and Pottawatomie County
Shawnee is in Pottawatomie 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).
Shawnee
Map of Pottawatomie County, Oklahoma, with Shawnee marked. Around it, the neighboring counties.
Shawnee
Pottawatomie County
Other cities with a page
Shawnee's own numbers
Typical home value
$160,100
Typical monthly rent
$936
Typical yearly household income
$55,815
Households that own their home
58%
Effective property tax rate
0.79%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Pottawatomie County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$949
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
2.1%
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 Pottawatomie County.
A typical home in Shawnee is worth $160,100: 3% below the county and 20% below Oklahoma. With the typical household income in Shawnee ($55,815 a year), a typical home costs 2.9 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.
Shawnee2.9 years
Pottawatomie2.7 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Pottawatomie County
According to FHFA’s house price index, home prices in Pottawatomie County rose 72% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Pottawatomie County.
Yearly change in FHFA’s price index in Pottawatomie County, 2016 to 2025
2016: +5.3% +5.3% 2016
2017: +3.5% +3.5% 2017
2018: +1.5% +1.5% 2018
2019: +6.2% +6.2% 2019
2020: +1.7% +1.7% 2020
2021: +11.4% +11.4% 2021
2022: +15.8% +15.8% 2022
2023: +4.4% +4.4% 2023
2024: +4.8% +4.8% 2024
2025: +1.9% +1.9% 2025
Change in FHFA’s price index in Pottawatomie County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+1.9%
+2.6%
+2.9%
5 years (2020–2025)
+44%
+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
Shawnee next to Pottawatomie 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
Shawnee$160,100
Pottawatomie$165,400
Oklahoma$199,800
United States$332,700
Typical monthly rent
Shawnee$936
Pottawatomie$894
Oklahoma$1,014
United States$1,413
Typical yearly household income
Shawnee$55,815
Pottawatomie$61,398
Oklahoma$65,039
United States$80,734
See the full table
Shawnee next to Pottawatomie County and Oklahoma
Measure
Shawnee
Pottawatomie County
Oklahoma
U.S.
Typical home value
$160,100 ▼3% below the county
$165,400
$199,800
$332,700
Typical monthly rent
$936 ▲5% above the county
$894
$1,014
$1,413
Typical yearly household income
$55,815 ▼9% below the county
$61,398
$65,039
$80,734
Households that own their home
58% ▼12 points below the county
70%
66%
65%
Typical yearly property tax
$1,258 ▲15% above the county
$1,097
$1,599
$3,119
Effective property tax rate
0.79% ▲0.13 points above the county
0.66%
0.8%
0.94%
Renters with high rent for their income
44% ▲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 Pottawatomie 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 Shawnee
For a typical $160,100 home in Shawnee, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Shawnee's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,308a month
Least cash to close
Down payment
$5,604
Cash to close
$10,407
Rate
7.18%
Mortgage insurance
FHA MIP · $71
Conventional, 5% down$1,278a month
Down payment
$8,005
Cash to close
$12,808
Rate
7.18%
Mortgage insurance
PMI · $76
Conventional, 20% down, no PMI$1,040a month
Down payment
$32,020
Cash to close
$36,823
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,188a month
Down payment
$24,015
Cash to close
$28,818
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Shawnee
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,308
$5,604
$157,200
7.18%
FHA MIP · $71
$10,407
580
Conventional, 5% down
$1,278
$8,005
$152,095
7.18%
PMI · $76
$12,808
620*
Conventional, 20% down, no PMI
$1,040
$32,020
$128,080
7.18%
None
$36,823
620*
ITIN, 15% down (example)
$1,188
$24,015
$136,085
8.18%
None
$28,818
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 Shawnee is $936 a month: 5% above the county. In Shawnee, 44% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Pottawatomie County, by unit size. To pay the 2-bedroom one ($949 a month) without spending more than 30% of your income, you would need to earn $18.25 an hour working full time.
HUD fair market rent for all of Pottawatomie County
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Pottawatomie County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$721
$13.87
$28,840
1 bedroom
$725
$13.94
$29,000
2 bedrooms
$949
$18.25
$37,960
3 bedrooms
$1,268
$24.38
$50,720
4 bedrooms
$1,494
$28.73
$59,760
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 Shawnee
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Shawnee has 2 ZIP codes with their own.
For 2 bedrooms it runs from $980 in 74801 to $1,020 in 74804.
2 of the 2 are above the fair market rent for Pottawatomie County ($949).
Fair market rent by ZIP code and size in Shawnee, fiscal year 2027.
74801
$740
$750
$980
$1,310
$1,540
74804
$770
$780
$1,020
$1,360
$1,610
ZIP code2 bd3 bd
74801 $980$1,310
74804 $1,020$1,360
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Shawnee 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 22 buildings with rents for lower incomes in Shawnee. These are the largest.
Rental1002 W 7th St, Shawnee 74801265 low-income homes · Run by Housing Authority of the City of Shawnee · Average payment: $363 a month · Average wait: 17 months(405) 275-6330
Shawnee Tower1130 E Independence St, Shawnee 74804177 low-income homes · Run by Housing Authority of the City of Shawnee · Average payment: $333 a month · Average wait: 10 months(405) 275-6330
Ashford Place3105 Acme Rd, Shawnee 74804101 low-income homes · 1 bd: 32 · 2 bd: 60 · 3 bd: 8 · In service since 2016 · For families
Ashford Place Apts3215 Pierre Taron Rd, Shawnee 74804100 low-income homes · 1 bd: 32 · 2 bd: 60 · 3 bd: 8 · In service since 1998
Aldridge20 E 9th St, Shawnee 7480160 low-income homes · In service since 2005 · 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.
We found no HUD-approved agencies with an office in Pottawatomie 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 Shawnee or Pottawatomie County. The ones below are statewide in Oklahoma: they work in Shawnee 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 Shawnee or Pottawatomie 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 Shawnee and all of Pottawatomie 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 Shawnee?
The typical home value in Shawnee is $160,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pottawatomie County it is $165,400.
How much does it cost to rent in Shawnee?
Typical rent in Shawnee is $936 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pottawatomie County is $949.
What is the FHA loan limit in Shawnee?
Shawnee uses the FHA limit for all of Pottawatomie 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 Shawnee?
The typical homeowner in Shawnee pays $1,258 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Pottawatomie County, the rate is 0.66%.
Where can I find free help to buy or rent in Shawnee?
We found no HUD-approved counseling agencies with an office in Pottawatomie County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
