City · 11,882 residents · Woodward County, Oklahoma
Woodward, Oklahoma
In Woodward, a typical home is worth $157,800 and typical rent is $839 a month. Compared with all of Woodward County, typical household income is 11% lower, the typical home value is 7% 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 $119,851 to $131,714.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Woodward is in Woodward 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 Woodward County. See the county
What this place has that others do not, from public data, most unusual first.
1
Woodward has the 3rd smallest share of rent-burdened renters of the 70 cities in Oklahoma with more than 5,000 people (34%).
2
Nearby, in Clinton, the typical home value is $119,400: 24% less than in Woodward ($157,800).
3
65% of households in Woodward own their home, against 73% in Woodward County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Woodward
What homes there are in Woodward, 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
Woodward
Woodward County
Oklahoma
United States
Kind of home: Woodward and its comparisons
Measure
Woodward
Woodward County
Oklahoma
United States
Detached house
78%
75%
73%
61%
Attached house
Unreliable estimate
Unreliable estimate
2%
6%
Building of 2 to 4
7%
6%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
12%
19%
Mobile home
6%
13%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Woodward County, most homes in Woodward are detached houses (78%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Woodward
Woodward County
Oklahoma
United States
Year built: Woodward and its comparisons
Measure
Woodward
Woodward County
Oklahoma
United States
Before 1960
27%
24%
21%
26%
1960–1979
35%
31%
28%
24%
1980–1999
27%
26%
24%
25%
2000–2009
Unreliable estimate
8%
13%
14%
2010 or later
7%
11%
13%
11%
By age, homes in Woodward look like those in Woodward County: the typical year built is 1975.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K30%
$100K–$200K39%
$200K–$300K19%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Woodward and its comparisons
Measure
Woodward
Under $100K
30%
$100K–$200K
39%
$200K–$300K
19%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99963%
$1,000–$1,49918%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Woodward and its comparisons
Measure
Woodward
Under $500
Unreliable estimate
$500–$999
63%
$1,000–$1,499
18%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,343 a month
Woodward County: $1,410 a month
Without a mortgage
$398 a month
Woodward County: $489 a month
Owners with a mortgage
47%
Woodward County: 46%
The typical cost for an owner with a mortgage in Woodward is $1,343 a month, near the figure in Woodward County ($1,410).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Woodward+34%
Woodward County+35%
Oklahoma+46%
United States+53%
Typical rent
WoodwardNo clear change
Woodward CountyNo clear change
Oklahoma+25%
United States+33%
Typical household income
WoodwardNo clear change
Woodward CountyNo clear change
Oklahoma+23%
United States+29%
Change since 2015–2019: Woodward and its comparisons
Measure
Woodward
Woodward County
Oklahoma
United States
Typical home value
+34%
+35%
+46%
+53%
Typical rent
No clear change
No clear change
+25%
+33%
Typical household income
No clear change
No clear change
+23%
+29%
From 2015–2019 to 2020–2024, home values in Woodward rose at about the same pace as in Woodward County: 34% against 35%.
The typical rent in Woodward 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: Woodward and its comparisons
Measure
Woodward
Woodward County
Oklahoma
United States
Rental vacancy
Unreliable estimate
9.2%
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
2.36
2.44
2.50
2.53
Drive alone
80%
82%
77%
69%
Carpool
12%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
2%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
By size, households in Woodward look like those in Woodward County: 2.36 people on average.
In Woodward, 80% of workers drive alone to work; in Woodward County, 82%.
Do the math
What would you pay each month for a home in Woodward?
A typical home is within reach of the typical income
We start with a typical home in Woodward, worth $157,800, 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 Woodward, which is $54,463 a year.
The calculator's FHA and conventional loan limits are those of all of Woodward 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 Woodward. 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 $5,523 (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
$1,255
at 7.18% · 30 years
Loan amount
$154,942
Total interest
$222,925
Paid off in
November 2056
Includes $2,665 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,271 a month
Your payment · 28%
Tight
$1,271 to $1,634 a month
Hard
more than $1,634 a month
Compared with the typical household income in Woodward ($54,463 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,050
Property tax
$70
Home insurance
$66
FHA mortgage insurance (MIP)
$70
You need at least $5,523 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 $1,255; principal and interest $1,050.
The city and its county
Woodward and Woodward County
Woodward is in Woodward 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).
Woodward
Map of Woodward County, Oklahoma, with Woodward marked. Around it, the neighboring counties.
Woodward
Woodward County
Woodward's own numbers
Typical home value
$157,800
Typical monthly rent
$839
Typical yearly household income
$54,463
Households that own their home
65%
Effective property tax rate
0.53%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Woodward County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,001
Price change over 5 years (FHFA)
+18%
Homes in a high flood-risk zone
4.7%
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 Woodward County.
A typical home in Woodward is worth $157,800: 7% below the county and 21% below Oklahoma. With the typical household income in Woodward ($54,463 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.
Woodward2.9 years
County2.8 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Woodward County
According to FHFA’s house price index, home prices in Woodward County rose 23% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Woodward County.
Yearly change in FHFA’s price index in Woodward County, 2016 to 2025
2016: +0.7% +0.7% 2016
2017: −1.3% −1.3% 2017
2018: +0.2% +0.2% 2018
2019: +3.9% +3.9% 2019
2020: +0.8% +0.8% 2020
2021: +4.8% +4.8% 2021
2022: +1.5% +1.5% 2022
2023: +6.7% +6.7% 2023
2024: −0.3% −0.3% 2024
2025: +4.7% +4.7% 2025
Change in FHFA’s price index in Woodward County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+4.7%
+2.6%
+2.9%
5 years (2020–2025)
+18%
+46%
+47%
10 years (2015–2025)
+23%
+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
Woodward next to Woodward 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
Woodward$157,800
County$169,000
Oklahoma$199,800
United States$332,700
Typical monthly rent
Woodward$839
County$838
Oklahoma$1,014
United States$1,413
Typical yearly household income
Woodward$54,463
County$61,417
Oklahoma$65,039
United States$80,734
See the full table
Woodward next to Woodward County and Oklahoma
Measure
Woodward
Woodward County
Oklahoma
U.S.
Typical home value
$157,800 ▼7% below the county
$169,000
$199,800
$332,700
Typical monthly rent
$839
$838
$1,014
$1,413
Typical yearly household income
$54,463 ▼11% below the county
$61,417
$65,039
$80,734
Households that own their home
65% ▼8 points below the county
73%
66%
65%
Typical yearly property tax
$831 ▼15% below the county
$973
$1,599
$3,119
Effective property tax rate
0.53% ▼0.05 points below the county
0.58%
0.8%
0.94%
Renters with high rent for their income
34%
35%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Woodward 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 Woodward
For a typical $157,800 home in Woodward, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Woodward's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,255a month
Least cash to close
Down payment
$5,523
Cash to close
$10,257
Rate
7.18%
Mortgage insurance
FHA MIP · $70
Conventional, 5% down$1,226a month
Down payment
$7,890
Cash to close
$12,624
Rate
7.18%
Mortgage insurance
PMI · $75
Conventional, 20% down, no PMI$991a month
Down payment
$31,560
Cash to close
$36,294
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,137a month
Down payment
$23,670
Cash to close
$28,404
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Woodward
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,255
$5,523
$154,942
7.18%
FHA MIP · $70
$10,257
580
Conventional, 5% down
$1,226
$7,890
$149,910
7.18%
PMI · $75
$12,624
620*
Conventional, 20% down, no PMI
$991
$31,560
$126,240
7.18%
None
$36,294
620*
ITIN, 15% down (example)
$1,137
$23,670
$134,130
8.18%
None
$28,404
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 Woodward is $839 a month: about the same as the county. In Woodward, 34% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Woodward County, by unit size. To pay the 2-bedroom one ($1,001 a month) without spending more than 30% of your income, you would need to earn $19.25 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 Woodward County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$760
$14.62
$30,400
1 bedroom
$765
$14.71
$30,600
2 bedrooms
$1,001
$19.25
$40,040
3 bedrooms
$1,193
$22.94
$47,720
4 bedrooms
$1,673
$32.17
$66,920
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 Woodward
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Woodward is in ZIP code 73801.
For 2 bedrooms it is $990: $11 less than the fair market rent for Woodward County ($1,001).
Fair market rent by ZIP code and size in Woodward, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
73801
$750
$760
$990
$1,180
$1,650
ZIP code2 bd3 bd
73801 $990$1,180
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Woodward 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 Woodward 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 Woodward or Woodward County. The ones below are statewide in Oklahoma: they work in Woodward 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 Woodward or Woodward 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 Woodward and all of Woodward 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 Woodward?
The typical home value in Woodward is $157,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Woodward County it is $169,000.
How much does it cost to rent in Woodward?
Typical rent in Woodward is $839 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Woodward County is $1,001.
What is the FHA loan limit in Woodward?
Woodward uses the FHA limit for all of Woodward 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 Woodward?
The typical homeowner in Woodward pays $831 a year, according to the U.S. Census Bureau. That is 0.53% of the home’s value; in Woodward County, the rate is 0.58%.
Where can I find free help to buy or rent in Woodward?
We found no HUD-approved counseling agencies with an office in Woodward County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
