In Tulsa, a typical home is worth $205,300 and typical rent is $1,052 a month. Compared with all of Tulsa County, typical household income is 13% lower, the typical home value is 11% lower, and the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $169,310 to $217,760.
Typical rent
$1,273a month
▲ 3.1% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,018 to $1,273.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Tulsa 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
52% of households in Tulsa own their home, against 60% in Tulsa County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Tulsa
What homes there are in Tulsa, 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 other
Tulsa
Tulsa County
Oklahoma
United States
Kind of home: Tulsa and its comparisons
Measure
Tulsa
Tulsa County
Oklahoma
United States
Detached house
62%
69%
73%
61%
Attached house
3%
3%
2%
6%
Building of 2 to 4
7%
5%
5%
8%
Apartments (5 or more)
27%
22%
12%
19%
Mobile home
1%
2%
8%
6%
Boat, RV and other
0%
0%
0%
0%
In Tulsa, 6 in 10 homes are single-family detached houses; in Tulsa County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Tulsa
Tulsa County
Oklahoma
United States
Year built: Tulsa and its comparisons
Measure
Tulsa
Tulsa County
Oklahoma
United States
Before 1960
30%
23%
21%
26%
1960–1979
35%
29%
28%
24%
1980–1999
22%
24%
24%
25%
2000–2009
7%
12%
13%
14%
2010 or later
7%
12%
13%
11%
In Tulsa, half of the homes were built before 1973; in Tulsa County, before 1979.
There are fewer big homes in Tulsa than in Tulsa County: 54% have 3 bedrooms or more, against 62%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K18%
$100K–$200K30%
$200K–$300K21%
$300K–$500K19%
$500K–$750K7%
FHA limit: $541,287
$750K–$1M3%
$1M or more2%
Value of owner-occupied homes: Tulsa and its comparisons
Measure
Tulsa
Under $100K
18%
$100K–$200K
30%
$200K–$300K
21%
$300K–$500K
19%
$500K–$750K
7%
$750K–$1M
3%
$1M or more
2%
The FHA loan limit for Tulsa County is $541,287, and about 89% of owner-occupied homes in Tulsa are worth less than that.
Monthly rent with utilities
Under the limitOver the limit
Under $5007%
$500–$99938%
$1,000–$1,49938%
HUD fair market rent, 2 bedrooms: $1,229
$1,500–$1,99911%
$2,000–$2,4993%
$2,500–$2,9991%
$3,000 or more2%
Monthly rent with utilities: Tulsa and its comparisons
Measure
Tulsa
Under $500
7%
$500–$999
38%
$1,000–$1,499
38%
$1,500–$1,999
11%
$2,000–$2,499
3%
$2,500–$2,999
1%
$3,000 or more
2%
Measured against HUD's 2-bedroom fair market rent ($1,229), about 63% of rented homes in Tulsa cost less.
With a mortgage
$1,561 a month
Tulsa County: $1,650 a month
Without a mortgage
$586 a month
Tulsa County: $601 a month
Owners with a mortgage
56%
Tulsa County: 60%
The typical cost for an owner with a mortgage in Tulsa is $1,561 a month, less than in Tulsa County ($1,650); without one, $586.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Tulsa+47%
Tulsa County+47%
Oklahoma+46%
United States+53%
Typical rent
Tulsa+27%
Tulsa County+28%
Oklahoma+25%
United States+33%
Typical household income
Tulsa+26%
Tulsa County+24%
Oklahoma+23%
United States+29%
Change since 2015–2019: Tulsa and its comparisons
Measure
Tulsa
Tulsa County
Oklahoma
United States
Typical home value
+47%
+47%
+46%
+53%
Typical rent
+27%
+28%
+25%
+33%
Typical household income
+26%
+24%
+23%
+29%
Much as in Tulsa County, the typical home value in Tulsa rose 47% since 2015–2019.
Much as in Tulsa County, the typical rent in Tulsa rose 27% since 2015–2019.
To compare: typical income in Tulsa rose 26%; the home, +47%; the rent, +27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Tulsa and its comparisons
Measure
Tulsa
Tulsa County
Oklahoma
United States
Rental vacancy
5.7%
5.4%
6.5%
5.5%
Homeowner vacancy
1.1%
1.0%
1.2%
0.9%
More than one person per room
3.8%
3.3%
2.9%
3.4%
People per household
2.34
2.46
2.50
2.53
Drive alone
74%
76%
77%
69%
Carpool
10%
9%
10%
9%
Public transit
1%
0%
0%
3%
Walk or bike
2%
2%
2%
3%
Work from home
12%
12%
9%
15%
Other means
2%
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
In Tulsa, the rental vacancy rate is 5.7%, about the same as in Tulsa County.
More than one person per room: that is how 3.8% of households in Tulsa live, near the figure in Tulsa County (3.3%).
Much as in Tulsa County, a household in Tulsa has 2.34 people on average.
To get to work, 74% of workers in Tulsa drive alone; in Tulsa County, 76%.
Do the math
What would you pay each month for a home in Tulsa?
A typical home is tight for the typical income
We start with a typical home in Tulsa, worth $205,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Tulsa, which is $59,838 a year. For that payment to be 28% of income, a household would need to earn about $73,268 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 Tulsa. 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 $7,186 (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
$1,710
at 7.18% · 30 years
Loan amount
$201,581
Total interest
$290,028
Paid off in
November 2056
Includes $3,467 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,396 a month
Tight
$1,396 to $1,795 a month
Your payment · 34%
Hard
more than $1,795 a month
Compared with the typical household income in Tulsa ($59,838 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,366
Property tax
$168
Home insurance
$86
FHA mortgage insurance (MIP)
$91
You need at least $7,186 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 $1,710; principal and interest $1,366.
The city and its county
Tulsa and Tulsa County
Tulsa 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).
Tulsa
Map of Tulsa County, Oklahoma, with Tulsa marked. Around it, the neighboring counties.
Tulsa
Tulsa County
Other cities with a page
Tulsa's own numbers
Typical home value
$205,300
Typical monthly rent
$1,052
Typical yearly household income
$59,838
Households that own their home
52%
Effective property tax rate
0.98%
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 Tulsa is worth $205,300: 11% below the county and 3% above Oklahoma. With the typical household income in Tulsa ($59,838 a year), a typical home costs 3.4 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.
Tulsa3.4 years
County3.3 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
Tulsa 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
Tulsa$205,300
County$230,400
Oklahoma$199,800
United States$332,700
Typical monthly rent
Tulsa$1,052
County$1,110
Oklahoma$1,014
United States$1,413
Typical yearly household income
Tulsa$59,838
County$69,009
Oklahoma$65,039
United States$80,734
See the full table
Tulsa next to Tulsa County and Oklahoma
Measure
Tulsa
Tulsa County
Oklahoma
U.S.
Typical home value
$205,300 ▼11% below the county
$230,400
$199,800
$332,700
Typical monthly rent
$1,052 ▼5% below the county
$1,110
$1,014
$1,413
Typical yearly household income
$59,838 ▼13% below the county
$69,009
$65,039
$80,734
Households that own their home
52% ▼8 points below the county
60%
66%
65%
Typical yearly property tax
$2,005 ▼10% below the county
$2,227
$1,599
$3,119
Effective property tax rate
0.98% ▲0.01 points above the county
0.97%
0.8%
0.94%
Renters with high rent for their income
48% ▲2 points above 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 Tulsa
For a typical $205,300 home in Tulsa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Tulsa's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,710a month
Least cash to close
Down payment
$7,186
Cash to close
$13,345
Rate
7.18%
Mortgage insurance
FHA MIP · $91
Conventional, 5% down$1,672a month
Down payment
$10,265
Cash to close
$16,424
Rate
7.18%
Mortgage insurance
PMI · $98
Conventional, 20% down, no PMI$1,366a month
Down payment
$41,060
Cash to close
$47,219
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,556a month
Down payment
$30,795
Cash to close
$36,954
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Tulsa
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,710
$7,186
$201,582
7.18%
FHA MIP · $91
$13,345
580
Conventional, 5% down
$1,672
$10,265
$195,035
7.18%
PMI · $98
$16,424
620*
Conventional, 20% down, no PMI
$1,366
$41,060
$164,240
7.18%
None
$47,219
620*
ITIN, 15% down (example)
$1,556
$30,795
$174,505
8.18%
None
$36,954
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 Tulsa is $1,052 a month: 5% below the county. In Tulsa, 48% 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 Tulsa
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Tulsa has 24 ZIP codes with their own.
For 2 bedrooms it runs from $950 in 74116 to $1,560 in 74103.
15 of the 24 are above the fair market rent for Tulsa County ($1,229).
2-bedroom fair market rent in each of the 24 ZIP codes of Tulsa, beside the one for Tulsa County. For 2 bedrooms it runs from $950 in 74116 to $1,560 in 74103. 15 of the 24 are above the fair market rent for Tulsa County ($1,229).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,229
Lowest: $950 (74116)Highest: $1,560 (74103)
Fair market rent by ZIP code and size in Tulsa, fiscal year 2027.
74103
$1,200
$1,280
$1,560
$2,050
$2,390
74104
$1,060
$1,130
$1,380
$1,810
$2,110
74105
$980
$1,040
$1,270
$1,660
$1,940
74106
$840
$890
$1,090
$1,430
$1,670
74108
$980
$1,040
$1,270
$1,660
$1,940
74110
$820
$870
$1,060
$1,390
$1,620
74112
$970
$1,030
$1,260
$1,650
$1,930
74114
$1,160
$1,230
$1,500
$1,970
$2,300
74115
$840
$890
$1,090
$1,430
$1,670
74116
$730
$780
$950
$1,250
$1,450
74119
$1,040
$1,110
$1,350
$1,770
$2,070
74120
$950
$1,010
$1,230
$1,610
$1,880
74127
$920
$970
$1,190
$1,560
$1,820
74128
$950
$1,010
$1,230
$1,610
$1,880
74129
$850
$900
$1,100
$1,440
$1,680
74132
$1,030
$1,100
$1,340
$1,760
$2,050
74133
$1,150
$1,220
$1,490
$1,950
$2,280
74134
$890
$950
$1,160
$1,520
$1,780
74135
$920
$980
$1,200
$1,570
$1,840
74136
$960
$1,020
$1,240
$1,630
$1,900
74137
$1,090
$1,160
$1,420
$1,860
$2,170
74145
$950
$1,010
$1,230
$1,610
$1,880
74146
$890
$940
$1,150
$1,510
$1,760
74171
$1,000
$1,060
$1,290
$1,690
$1,980
ZIP code2 bd3 bd
74103 $1,560$2,050
74104 $1,380$1,810
74105 $1,270$1,660
74106 $1,090$1,430
74108 $1,270$1,660
74110 $1,060$1,390
74112 $1,260$1,650
74114 $1,500$1,970
74115 $1,090$1,430
74116 $950$1,250
74119 $1,350$1,770
74120 $1,230$1,610
74127 $1,190$1,560
74128 $1,230$1,610
74129 $1,100$1,440
74132 $1,340$1,760
74133 $1,490$1,950
74134 $1,160$1,520
74135 $1,200$1,570
74136 $1,240$1,630
74137 $1,420$1,860
74145 $1,230$1,610
74146 $1,150$1,510
74171 $1,290$1,690
4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Tulsa 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 65 buildings with rents for lower incomes in Tulsa. These are the largest.
Stoneridge Apts2505 E 88th St, Tulsa 74137342 low-income homes · 1 bd: 72 · 2 bd: 218 · 3 bd: 52 · In service since 2000
Savanna Landing1111 E 60th St, Tulsa 74105336 homes, 335 low-income · For families(918) 743-0022
ST. Thomas Square and Worthington Townho1050 E 61st St, Tulsa 74136206 low-income homes · 1 bd: 34 · 2 bd: 159 · 3 bd: 4 · 4 bd: 9 · In service since 2018 · For families(918) 747-7155
Windsong Apts9750 E 31st St, Tulsa 74146202 low-income homes · For families(918) 628-1040
Brightwaters Apts2111 Southwest Blvd, Tulsa 74107200 low-income homes · In service since 2004 · For families
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 Tulsa or Tulsa County. The ones below are statewide in Oklahoma: they work in Tulsa 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 Tulsa 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 Tulsa 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 Tulsa?
The typical home value in Tulsa is $205,300, 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 Tulsa?
Typical rent in Tulsa is $1,052 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 Tulsa?
Tulsa 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 Tulsa?
The typical homeowner in Tulsa pays $2,005 a year, according to the U.S. Census Bureau. That is 0.98% of the home’s value; in Tulsa County, the rate is 0.97%.
Where can I find free help to buy or rent in Tulsa?
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.
