In Skiatook, a typical home is worth $182,600 and typical rent is $961 a month. Compared with all of Tulsa County, the typical home value is 21% lower, typical household income is 17% lower, and the share of households that own their home is 9 points higher.
Skiatook 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
The typical home in Skiatook is worth $182,600,21% less than in Tulsa County as a whole ($230,400).
2
The typical household income in Skiatook is $57,480,17% less than in Tulsa County as a whole ($69,009).
3
69% of households in Skiatook own their home, against 60% in Tulsa County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Skiatook
What homes there are in Skiatook, 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
Skiatook
Tulsa County
Oklahoma
United States
Kind of home: Skiatook and its comparisons
Measure
Skiatook
Tulsa County
Oklahoma
United States
Detached house
81%
69%
73%
61%
Attached house
Unreliable estimate
3%
2%
6%
Building of 2 to 4
4%
5%
5%
8%
Apartments (5 or more)
Unreliable estimate
22%
12%
19%
Mobile home
4%
2%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Skiatook: 81% of homes, more than in Tulsa County (69%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Skiatook
Tulsa County
Oklahoma
United States
Year built: Skiatook and its comparisons
Measure
Skiatook
Tulsa County
Oklahoma
United States
Before 1960
17%
23%
21%
26%
1960–1979
23%
29%
28%
24%
1980–1999
19%
24%
24%
25%
2000–2009
19%
12%
13%
14%
2010 or later
22%
12%
13%
11%
Homes in Skiatook are newer: the typical year built is 1989; in Tulsa County, 1979.
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 $100K21%
$100K–$200K33%
$200K–$300K23%
$300K–$500K23%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Skiatook and its comparisons
Measure
Skiatook
Under $100K
21%
$100K–$200K
33%
$200K–$300K
23%
$300K–$500K
23%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
With an FHA limit of $541,287, at least 99% of owner-occupied homes in Skiatook sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99950%
$1,000–$1,49934%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Skiatook and its comparisons
Measure
Skiatook
Under $500
Unreliable estimate
$500–$999
50%
$1,000–$1,499
34%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,428 a month
Tulsa County: $1,650 a month
Without a mortgage
$465 a month
Tulsa County: $601 a month
Owners with a mortgage
66%
Tulsa County: 60%
Owning costs less in Skiatook: with a mortgage, the typical cost is $1,428 a month; in Tulsa County, $1,650. Without one, $465.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Skiatook+43%
Tulsa County+47%
Oklahoma+46%
United States+53%
Typical rent
Skiatook+11%
Tulsa County+28%
Oklahoma+25%
United States+33%
Typical household income
Skiatook+20%
Tulsa County+24%
Oklahoma+23%
United States+29%
Change since 2015–2019: Skiatook and its comparisons
Measure
Skiatook
Tulsa County
Oklahoma
United States
Typical home value
+43%
+47%
+46%
+53%
Typical rent
+11%
+28%
+25%
+33%
Typical household income
+20%
+24%
+23%
+29%
Homes in Skiatook gained value more slowly than in Tulsa County: 43% since 2015–2019, against 47%.
The typical rent in Skiatook rose 11% over the same time; in Tulsa County, it rose 28%.
The typical household income in Skiatook rose 20% over that time; home values changed +43% and rent +11%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Skiatook and its comparisons
Measure
Skiatook
Tulsa County
Oklahoma
United States
Rental vacancy
Unreliable estimate
5.4%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
1.2%
0.9%
More than one person per room
Unreliable estimate
3.3%
2.9%
3.4%
People per household
2.55
2.46
2.50
2.53
Drive alone
80%
76%
77%
69%
Carpool
9%
9%
10%
9%
Public transit
Unreliable estimate
0%
0%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
9%
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
A household in Skiatook has 2.55 people on average, about the same as in Tulsa County (2.46).
In Skiatook, 80% of workers drive alone to work; in Tulsa County, 76%.
Do the math
What would you pay each month for a home in Skiatook?
A typical home is tight for the typical income
We start with a typical home in Skiatook, worth $182,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Skiatook, which is $57,480 a year. For that payment to be 28% of income, a household would need to earn about $64,384 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 Skiatook. 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 $6,391 (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
$1,502
at 7.18% · 30 years
Loan amount
$179,293
Total interest
$257,960
Paid off in
November 2056
Includes $3,084 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,341 a month
Tight
$1,341 to $1,724 a month
Your payment · 31%
Hard
more than $1,724 a month
Compared with the typical household income in Skiatook ($57,480 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,215
Property tax
$131
Home insurance
$76
FHA mortgage insurance (MIP)
$81
You need at least $6,391 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 $1,502; principal and interest $1,215.
The city and its county
Skiatook and Tulsa County
Skiatook 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).
Skiatook
Map of Tulsa County, Oklahoma, with Skiatook marked. Around it, the neighboring counties.
Skiatook
Tulsa County
Other cities with a page
Skiatook's own numbers
Typical home value
$182,600
Typical monthly rent
$961
Typical yearly household income
$57,480
Households that own their home
69%
Effective property tax rate
0.86%
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 Skiatook is worth $182,600: 21% below the county and 9% below Oklahoma. With the typical household income in Skiatook ($57,480 a year), a typical home costs 3.2 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.
Skiatook3.2 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
Skiatook 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
Skiatook$182,600
Tulsa$230,400
Oklahoma$199,800
United States$332,700
Typical monthly rent
Skiatook$961
Tulsa$1,110
Oklahoma$1,014
United States$1,413
Typical yearly household income
Skiatook$57,480
Tulsa$69,009
Oklahoma$65,039
United States$80,734
See the full table
Skiatook next to Tulsa County and Oklahoma
Measure
Skiatook
Tulsa County
Oklahoma
U.S.
Typical home value
$182,600 ▼21% below the county
$230,400
$199,800
$332,700
Typical monthly rent
$961 ▼13% below the county
$1,110
$1,014
$1,413
Typical yearly household income
$57,480 ▼17% below the county
$69,009
$65,039
$80,734
Households that own their home
69% ▲9 points above the county
60%
66%
65%
Typical yearly property tax
$1,562 ▼30% below the county
$2,227
$1,599
$3,119
Effective property tax rate
0.86% ▼0.11 points below the county
0.97%
0.8%
0.94%
Renters with high rent for their income
42% ▼4 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 Skiatook
For a typical $182,600 home in Skiatook, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Skiatook's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,502a month
Least cash to close
Down payment
$6,391
Cash to close
$11,869
Rate
7.18%
Mortgage insurance
FHA MIP · $81
Conventional, 5% down$1,469a month
Down payment
$9,130
Cash to close
$14,608
Rate
7.18%
Mortgage insurance
PMI · $87
Conventional, 20% down, no PMI$1,197a month
Down payment
$36,520
Cash to close
$41,998
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,365a month
Down payment
$27,390
Cash to close
$32,868
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Skiatook
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,502
$6,391
$179,293
7.18%
FHA MIP · $81
$11,869
580
Conventional, 5% down
$1,469
$9,130
$173,470
7.18%
PMI · $87
$14,608
620*
Conventional, 20% down, no PMI
$1,197
$36,520
$146,080
7.18%
None
$41,998
620*
ITIN, 15% down (example)
$1,365
$27,390
$155,210
8.18%
None
$32,868
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 Skiatook is $961 a month: 13% below the county. In Skiatook, 42% 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 Skiatook
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Skiatook is in ZIP code 74070.
For 2 bedrooms it is $1,090: $139 less than the fair market rent for Tulsa County ($1,229).
Fair market rent by ZIP code and size in Skiatook, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
74070
$840
$900
$1,090
$1,440
$1,670
ZIP code2 bd3 bd
74070 $1,090$1,440
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Skiatook 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.
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 Skiatook or Tulsa County. The ones below are statewide in Oklahoma: they work in Skiatook 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 Skiatook 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 Skiatook 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 Skiatook?
The typical home value in Skiatook is $182,600, 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 Skiatook?
Typical rent in Skiatook is $961 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 Skiatook?
Skiatook 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 Skiatook?
The typical homeowner in Skiatook pays $1,562 a year, according to the U.S. Census Bureau. That is 0.86% of the home’s value; in Tulsa County, the rate is 0.97%.
Where can I find free help to buy or rent in Skiatook?
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.
