In Vinita, a typical home is worth $96,200 and typical rent is $828 a month. Compared with all of Craig County, the typical home value is 36% lower, 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 $133,370 to $189,712.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Vinita is in Craig 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 Craig County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Vinita is worth $96,200,36% less than in Craig County as a whole ($150,500).
2
62% of households in Vinita own their home, against 74% in Craig County.
3
Vinita has the 6th smallest share of rent-burdened renters of the 70 cities in Oklahoma with more than 5,000 people (36%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Vinita
What homes there are in Vinita, 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
Vinita
Craig County
Oklahoma
United States
Kind of home: Vinita and its comparisons
Measure
Vinita
Craig County
Oklahoma
United States
Detached house
73%
75%
73%
61%
Attached house
Unreliable estimate
2%
2%
6%
Building of 2 to 4
5%
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
12%
19%
Mobile home
8%
14%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Vinita: 73% of homes, near the figure in Craig County (75%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Vinita
Craig County
Oklahoma
United States
Year built: Vinita and its comparisons
Measure
Vinita
Craig County
Oklahoma
United States
Before 1960
46%
33%
21%
26%
1960–1979
29%
26%
28%
24%
1980–1999
18%
24%
24%
25%
2000–2009
Unreliable estimate
8%
13%
14%
2010 or later
5%
9%
13%
11%
The typical home in Vinita was built in 1964, 10 years before the typical one in Craig County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K53%
$100K–$200K33%
$200K–$300K9%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Vinita and its comparisons
Measure
Vinita
Under $100K
53%
$100K–$200K
33%
$200K–$300K
9%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50026%
$500–$99938%
HUD fair market rent, 2 bedrooms: $940
$1,000–$1,49931%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Vinita and its comparisons
Measure
Vinita
Under $500
26%
$500–$999
38%
$1,000–$1,499
31%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
Measured against HUD's 2-bedroom fair market rent ($940), about 60% of rented homes in Vinita cost less.
With a mortgage
$966 a month
Craig County: $1,215 a month
Without a mortgage
$386 a month
Craig County: $428 a month
Owners with a mortgage
48%
Craig County: 43%
Owning costs less in Vinita: with a mortgage, the typical cost is $966 a month; in Craig County, $1,215. Without one, $386.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Vinita+21%
Craig County+38%
Oklahoma+46%
United States+53%
Typical rent
VinitaNo clear change
Craig CountyNo clear change
Oklahoma+25%
United States+33%
Typical household income
Vinita+24%
Craig County+20%
Oklahoma+23%
United States+29%
Change since 2015–2019: Vinita and its comparisons
Measure
Vinita
Craig County
Oklahoma
United States
Typical home value
+21%
+38%
+46%
+53%
Typical rent
No clear change
No clear change
+25%
+33%
Typical household income
+24%
+20%
+23%
+29%
From 2015–2019 to 2020–2024, the typical home value in Vinita rose 21%; in Craig County, it rose 38%.
The typical rent in Vinita stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Vinita and its comparisons
Measure
Vinita
Craig County
Oklahoma
United States
Rental vacancy
11.4%
8.0%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.2%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
2.9%
3.4%
People per household
2.43
2.53
2.50
2.53
Drive alone
78%
75%
77%
69%
Carpool
15%
12%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
8%
11%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
Unreliable estimate
20 to 29 minutes
There is more rental housing open in Vinita: 11.4% is empty and offered for rent, against 8.0% in Craig County.
A household in Vinita has 2.43 people on average, about the same as in Craig County (2.53).
The car rules in Vinita: 78% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Vinita?
A typical home is within reach of the typical income
We start with a typical home in Vinita, worth $96,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 20% of the typical household income in Vinita, which is $47,025 a year.
The calculator's FHA and conventional loan limits are those of all of Craig 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 Vinita. 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 $3,367 (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
$769
at 7.18% · 30 years
Loan amount
$94,458
Total interest
$135,902
Paid off in
November 2056
Includes $1,625 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,097 a month
Your payment · 20%
Tight
$1,097 to $1,411 a month
Hard
more than $1,411 a month
Compared with the typical household income in Vinita ($47,025 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$640
Property tax
$47
Home insurance
$40
FHA mortgage insurance (MIP)
$43
You need at least $3,367 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 $769; principal and interest $640.
The city and its county
Vinita and Craig County
Vinita is in Craig 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).
Vinita
Map of Craig County, Oklahoma, with Vinita marked. Around it, the neighboring counties.
Vinita
Craig County
Other cities with a page
Vinita's own numbers
Typical home value
$96,200
Typical monthly rent
$828
Typical yearly household income
$47,025
Households that own their home
62%
Effective property tax rate
0.58%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Craig County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$940
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
3.9%
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 Craig County.
A typical home in Vinita is worth $96,200: 36% below the county and 52% below Oklahoma. With the typical household income in Vinita ($47,025 a year), a typical home costs 2.0 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.
Vinita2.0 years
Craig2.9 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Craig County
According to FHFA’s house price index, home prices in Craig County rose 56% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Craig County.
Yearly change in FHFA’s price index in Craig County, 2016 to 2025
2016: −3.8% −3.8% 2016
2017: +3.0% +3.0% 2017
2018: +2.4% +2.4% 2018
2019: −0.1% −0.1% 2019
2020: +4.9% +4.9% 2020
2021: +11.6% +11.6% 2021
2022: +18.3% +18.3% 2022
2023: −13.4% −13.4% 2023
2024: +22.9% +22.9% 2024
2025: +4.4% +4.4% 2025
Change in FHFA’s price index in Craig County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+4.4%
+2.6%
+2.9%
5 years (2020–2025)
+47%
+46%
+47%
10 years (2015–2025)
+56%
+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
Vinita next to Craig 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
Vinita$96,200
Craig$150,500
Oklahoma$199,800
United States$332,700
Typical monthly rent
Vinita$828
Craig$810
Oklahoma$1,014
United States$1,413
Typical yearly household income
Vinita$47,025
Craig$51,922
Oklahoma$65,039
United States$80,734
See the full table
Vinita next to Craig County and Oklahoma
Measure
Vinita
Craig County
Oklahoma
U.S.
Typical home value
$96,200 ▼36% below the county
$150,500
$199,800
$332,700
Typical monthly rent
$828 ▲2% above the county
$810
$1,014
$1,413
Typical yearly household income
$47,025 ▼9% below the county
$51,922
$65,039
$80,734
Households that own their home
62% ▼12 points below the county
74%
66%
65%
Typical yearly property tax
$556 ▼32% below the county
$823
$1,599
$3,119
Effective property tax rate
0.58% ▲0.03 points above the county
0.55%
0.8%
0.94%
Renters with high rent for their income
36% ▼2 points below the county
38%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Craig 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 Vinita
For a typical $96,200 home in Vinita, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Vinita's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$769a month
Least cash to close
Down payment
$3,367
Cash to close
$6,253
Rate
7.18%
Mortgage insurance
FHA MIP · $43
Conventional, 5% down$751a month
Down payment
$4,810
Cash to close
$7,696
Rate
7.18%
Mortgage insurance
PMI · $46
Conventional, 20% down, no PMI$608a month
Down payment
$19,240
Cash to close
$22,126
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$697a month
Down payment
$14,430
Cash to close
$17,316
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Vinita
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$769
$3,367
$94,458
7.18%
FHA MIP · $43
$6,253
580
Conventional, 5% down
$751
$4,810
$91,390
7.18%
PMI · $46
$7,696
620*
Conventional, 20% down, no PMI
$608
$19,240
$76,960
7.18%
None
$22,126
620*
ITIN, 15% down (example)
$697
$14,430
$81,770
8.18%
None
$17,316
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 Vinita is $828 a month: 2% above the county. In Vinita, 36% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Craig County, by unit size. To pay the 2-bedroom one ($940 a month) without spending more than 30% of your income, you would need to earn $18.08 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 Craig County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$714
$13.73
$28,560
1 bedroom
$719
$13.83
$28,760
2 bedrooms
$940
$18.08
$37,600
3 bedrooms
$1,176
$22.62
$47,040
4 bedrooms
$1,235
$23.75
$49,400
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 Vinita
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Vinita is in ZIP code 74301.
For 2 bedrooms it is $930: $10 less than the fair market rent for Craig County ($940).
Fair market rent by ZIP code and size in Vinita, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
74301
$700
$710
$930
$1,160
$1,420
ZIP code2 bd3 bd
74301 $930$1,160
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Vinita 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 Craig 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 Vinita or Craig County. The ones below are statewide in Oklahoma: they work in Vinita 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 Vinita or Craig 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 Vinita and all of Craig 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 Vinita?
The typical home value in Vinita is $96,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Craig County it is $150,500.
How much does it cost to rent in Vinita?
Typical rent in Vinita is $828 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Craig County is $940.
What is the FHA loan limit in Vinita?
Vinita uses the FHA limit for all of Craig 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 Vinita?
The typical homeowner in Vinita pays $556 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Craig County, the rate is 0.55%.
Where can I find free help to buy or rent in Vinita?
We found no HUD-approved counseling agencies with an office in Craig County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
