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Featured local agent — Oklahoma
Sarah Mitchell
Compass Real Estate · Oklahoma
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Oklahoma housing market
Oklahoma housing market summary
The typical home in Oklahoma is worth $223,261, up 2.8% over the past year. Homes that actually closed went for a median of $264,600 after 39 days on market. On supply, pricing discipline, and speed of sale, Oklahoma currently reads as a balanced market at 3.2 months of supply. At today's 7.03% 30-year fixed rate, that typical home costs $1,192 a month in principal and interest with 20.0% down.
Sources: Zillow, August 2026 · Refreshes monthly · Redfin, through May 2026 · Freddie Mac via FRED, September 2026
Oklahoma housing market at a glance
Every tile carries the provider and the month it was published
Typical home value
$223,261
+2.8% YoY · Zillow, August 2026
Median sale price
$264,600
Redfin, through May 2026
Typical asking rent
$1,349/mo
Median of 46 cities · Zillow, August 2026
30-yr fixed rate
7.03%
Freddie Mac via FRED, September 2026
Monthly P&I
$1,192
20.0% down, 30-yr fixed
Days on market
39
+1 days YoY
Active listings
14,758
-5.7% YoY
Median household income
$63,603
U.S. Census ACS, 2023
Typical home value is Zillow's ZHVI — the value of a typical home across the whole housing stock, not just the homes that sold. Median sale price is what actually closed. Redfin stopped publishing public market trackers in June 2026; latest available period is May 2026.
Where Oklahoma home prices are heading
Oklahoma's typical home value is $223,261, up 2.8% over 12 months. The two-year number matters more than the one-year number: it spans a full rate cycle rather than a single seasonal swing. Values are at or within a rounding error of their two-year high.
Against the national picture, Oklahoma runs 39.4% below the U.S. typical home value of $368,697, and its 12-month move of +2.8% is outpacing the national pace of +1.2%.
What would have to change for Oklahoma prices to fall. Prices fall when supply outruns demand for long enough that sellers compete on price rather than waiting. Oklahoma is carrying 3.2 months of supply — below the four-month line, so inventory would have to roughly double before sellers lose pricing power. Active listings are -5.7% year over year and new listings -2.0%, so supply is still tightening, which supports prices even with weak demand. The other lever is the rate. At 7.03%, existing owners with cheaper mortgages have little reason to list, which is what has kept supply artificially low across most of the country. A sustained move down in rates unlocks those sellers and adds inventory; it also adds buyers. Which side moves first decides the direction.
Market trends
Statewide monthly series · Redfin, through May 2026 · No longer updating · Redfin stopped publishing public market trackers in June 2026; latest available period is May 2026.
What it costs to buy in Oklahoma at today's rate
Down payment
$44,652
20.0% of value
Loan amount
$178,609
30-yr fixed
Monthly P&I
$1,192
at 7.03%
Income needed
$51,086
28.0% front-end ratio
A buyer purchasing the typical Oklahoma home at $223,261 puts $44,652 down, finances $178,609, and pays $1,192 a month in principal and interest. Property taxes, homeowners insurance, HOA dues, and mortgage insurance sit on top of that and vary by county — budget for them separately rather than assuming the P&I figure is the payment.
Lenders typically want principal and interest under 28.0% of gross income, which puts the qualifying income for that purchase at roughly $51,086. Oklahoma's median household earns $63,603 (Census ACS 2023) — a gap of $12,517 below what the median household brings in. Put differently, the median household would spend 22.5% of gross income on principal and interest alone — inside the ratio most lenders underwrite to.
The value-to-income ratio in Oklahoma is 3.5x. Between roughly 3.5x and 5x, prices are ahead of local earnings but still within reach for higher-earning households. Model your own numbers in the affordability calculator or the mortgage calculator.
Figures are illustrative, not a quote or a pre-approval. Rate: Freddie Mac via FRED, September 2026 · Value: Zillow, August 2026 · Income: U.S. Census ACS, 2023
Buying in Oklahoma in the next 12 months?
Tell us your timeline. We send the Oklahoma market brief: the price ranges that are actually clearing, the cities where your budget goes furthest, and what to fix on your credit before you apply.
Rent or buy in Oklahoma?
Zillow publishes its rent index per city rather than per state, so the honest statewide read is the median across the 46 largest Oklahoma cities that carry it: $1,349 a month. Set against a typical home value of $223,261, that is a price-to-rent ratio of 13.8x.
Under 15x, buying tends to beat renting for anyone staying more than a few years — the rent you avoid does more work than the capital you tie up. Principal and interest on the typical home runs $157 less per month than that typical rent — and that is before taxes, insurance, and the roughly 1% of value a year most owners spend on maintenance.
For a second read on the same question, the Census ACS puts median gross rent across all Oklahoma households — every unit type, not just what is currently listed — at $980 a month (2023), with 65.8% of Oklahoma households owning rather than renting. Asking rents lead the ACS figure because they reflect today's new leases rather than the whole stock of existing ones.
Run the rent-vs-buy calculator with your own holding period and down payment — the statewide ratio is a starting point, not an answer.
Supply: what is on the market in Oklahoma
| Measure | Latest | Year earlier | Change |
|---|---|---|---|
| Active listings | 14,758 | 15,656 | -5.7% |
| New listings | 5,882 | 6,002 | -2.0% |
| Homes sold | 4,546 | 4,628 | -1.8% |
| Months of supply | 3.2 | 3.4 | -0.2 |
| Sale-to-list ratio | 97.9% | 97.9% | Below asking |
What these mean. Active listings is the shelf — everything a buyer could tour today. New listings is restock rate; when it falls faster than sales, the shelf empties. Months of supply is active inventory divided by homes sold per month: at the current sales pace, how many months it would take to sell every home currently listed. Under 4 months of supply tilts toward sellers, 4 to 5 months is the neutral band, and above 5 months tilts toward buyers — above 7 months is a glut. These are the same thresholds the market verdict on every city and ZIP page is scored against. Sale-to-list ratio is the discipline check — above 100% means homes are clearing over asking on average, below means sellers are conceding.
Redfin, through May 2026 · No longer updating — Redfin stopped publishing public market trackers in June 2026; latest available period is May 2026. Zillow's inventory and new-listing counts are published per city and appear on the individual city pages.
Where Oklahoma home values are moving fastest
12-month change in typical home value · Zillow, August 2026
Rising fastest
- 1.Geronimo+20.3%
- 2.Hooker+13.9%
- 3.Cache+10.3%
- 4.Gore+9.8%
- 5.Park Hill+9.7%
- 6.Newkirk+9.6%
- 7.Fletcher+9.0%
- 8.Rush Springs+8.7%
Falling
- 1.Lexington-9.7%
- 2.Blackwell-7.3%
- 3.Pawnee-6.2%
- 4.Marlow-5.7%
- 5.Okmulgee-5.3%
- 6.Morris-4.7%
- 7.Healdton-3.8%
- 8.Tonkawa-3.2%
Computed from Zillow's typical home value for each city at August 2026 against the same month a year earlier, across the 150 largest Oklahoma cities by population. Small markets swing hardest because a handful of transactions moves the index — read the city page before treating a large move as a trend.
The most and least expensive cities in Oklahoma
Typical home value across the 150 largest cities · Zillow, August 2026
Most expensive
- 1.Nichols Hills$995,861
- 2.Goldsby$423,055
- 3.Jones$359,261
- 4.Edmond$355,447
- 5.Jenks$355,103
- 6.Piedmont$340,806
- 7.Bixby$333,727
- 8.Tuttle$328,259
- 9.Blanchard$321,860
- 10.Owasso$319,339
Most affordable
- 1.Blackwell$62,411
- 2.Commerce$74,687
- 3.Pawnee$82,284
- 4.Shattuck$84,047
- 5.Hartshorne$101,176
- 6.Turley$103,831
- 7.Healdton$106,039
- 8.Tonkawa$106,337
- 9.Okmulgee$107,483
- 10.Altus$108,969
The spread between Nichols Hills and Blackwell is 16.0x — one reason a single statewide number is close to useless for a buyer with a fixed budget. Pick the city first, then the price band. Speed is a separate axis from price: Colbert was the quickest of these markets to clear at 1 days on market (Redfin, through May 2026).
How Oklahoma compares
| Market | Typical value | 12-mo change | Median income | Value / income |
|---|---|---|---|---|
| Oklahoma | $223,261 | +2.8% | $63,603 | 3.5x |
| United States | $368,697 | +1.2% | — | — |
| Texas | $299,367 | -1.6% | $76,292 | 3.9x |
| Kansas | $249,603 | +3.8% | $72,639 | 3.4x |
| Arkansas | $227,264 | +3.6% | $58,773 | 3.9x |
The three states above are Oklahoma's nearest land neighbours — the markets buyers most often price against when a move is still negotiable. Oklahoma is the cheapest of this group on a typical-value basis, which is what makes it a destination rather than an origin for cross-state moves.
Values and 12-month changes: Zillow, August 2026 · Refreshes monthly. Income: U.S. Census ACS, 2023. ACS publishes household income per state, not for the nation on the same basis, so the U.S. row shows home value only.
Oklahoma housing markets by city
425 cities tracked — the 60 largest by population shown
Oklahoma City
$207,421
Tulsa
$220,221
Norman
$263,046
Broken Arrow
$288,709
Edmond
$355,447
Lawton
$146,805
Moore
$222,111
Midwest City
$170,640
Enid
$136,865
Stillwater
$269,266
Owasso
$319,339
Bartlesville
$189,391
Muskogee
$144,901
Shawnee
$179,174
Bixby
$333,727
Jenks
$355,103
Yukon
$273,039
Ardmore
$157,231
Ponca City
$138,580
Duncan
$137,240
Sapulpa
$220,675
Del City
$140,811
Mustang
$278,579
Bethany
$177,195
Sand Springs
$242,309
Claremore
$264,472
Durant
$226,498
Altus
$108,969
McAlester
$156,034
El Reno
$184,951
Ada
$187,469
Tahlequah
$201,090
Chickasha
$158,143
Glenpool
$243,772
Miami
$131,738
Guymon
$176,389
Newcastle
$291,315
Choctaw
$307,427
Weatherford
$233,780
Woodward
$132,434
Elk City
$173,248
Okmulgee
$107,483
Guthrie
$256,976
Warr Acres
$183,463
Coweta
$272,958
The Village
Pop. 9K
Blanchard
$321,860
Skiatook
$283,866
Sallisaw
$187,977
Collinsville
$285,683
Clinton
$116,745
Cushing
$144,458
Piedmont
$340,806
Wagoner
$188,500
Tuttle
$328,259
Catoosa
$237,386
Noble
$209,612
Purcell
$226,254
Harrah
$244,296
Tecumseh
$134,810
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What to do next in Oklahoma
If you are buying
- Set the payment before the price. Start from what you can carry monthly, then work backwards with the affordability calculator — the typical Oklahoma home is $1,192/mo in P&I today.
- Pick the city, not the state. Values across Oklahoma run from $62,411 in Blackwell to $995,861 in Nichols Hills.
- Put two finalists head to head in the city comparison tool before you tour anything.
- Fix the credit file before you shop the rate. A better score moves the payment more than haggling over price does at 7.03%.
If you are selling
- Price against your city, not the statewide figure — the spread between Oklahoma markets is wider than the year-over-year move in any of them.
- Read the supply table above. At 3.2 months of supply, you still set the terms — but only if the home is priced to the comps on day one.
- Watch days on market in your city, not the state. The statewide median was 39 days (Redfin, through May 2026); your city page carries its own.
- Time the listing against new-listing volume. New listings are -2.0% year over year — less competition than a year ago.
Oklahoma housing market questions
What is the typical home value in Oklahoma?
The typical home value in Oklahoma is $223,261 (Zillow, August 2026). That is a +2.8% change over the past 12 months. The median price of homes that actually sold was $264,600 (Redfin, through May 2026); sale prices skew toward whatever segment is transacting, which is why they differ from the typical-value figure.
Are Oklahoma home prices going up or down?
Oklahoma home values are up 2.8% year over year (Zillow, August 2026). Values are at or near their highest reading in the past two years.
How much income do you need to buy a home in Oklahoma?
At the current 30-year fixed rate of 7.03%, a $223,261 home with 20.0% down carries roughly $1,192 a month in principal and interest. Using the 28% front-end ratio most lenders underwrite to, that implies a household income of about $51,086 before taxes, insurance, HOA dues, or mortgage insurance are added. Oklahoma's median household income is $63,603 (Census ACS, 2023), a gap of $12,517 below the median household. These figures are illustrative, not a quote or a pre-approval.
Is it cheaper to rent or buy in Oklahoma?
Typical asking rent across the largest Oklahoma cities Zillow publishes rent data for is $1,349 a month (median of 46 cities, Zillow, August 2026). Against a typical home value of $223,261, that is a price-to-rent ratio of 13.8x. Ratios under about 15x generally favour buying if you plan to stay put; above about 20x, renting and investing the difference tends to win over short horizons. Principal and interest alone runs $157 less than that typical rent each month, before taxes, insurance, and maintenance.
Which Oklahoma cities are the most affordable?
Among the largest cities we track in Oklahoma, the lowest typical home values are in Blackwell ($62,411), Commerce ($74,687), Pawnee ($82,284), Shattuck ($84,047), Hartshorne ($101,176). Values are Zillow's typical-home-value index for August 2026.
Which Oklahoma cities are the most expensive?
The highest typical home values among the largest Oklahoma cities are in Nichols Hills ($995,861), Goldsby ($423,055), Jones ($359,261), Edmond ($355,447), Jenks ($355,103). Price per square foot, inventory, and days on market for each are on the individual city pages.
Which Oklahoma cities are appreciating the fastest?
Over the past 12 months the largest home-value gains among Oklahoma cities we track were in Geronimo (+20.3%), Hooker (+13.9%), Cache (+10.3%), Gore (+9.8%), Park Hill (+9.7%). Fast appreciation usually reflects constrained supply, in-migration, or a small transaction base — check the individual city page before reading it as a trend.
How long do homes take to sell in Oklahoma?
Homes in Oklahoma spent a median of 39 days on market in the last month Redfin published (Redfin, through May 2026). That is 1 days slower than the same month a year earlier. The quickest market among the state's largest cities was Colbert at 1 days. Redfin stopped publishing public market trackers in June 2026; latest available period is May 2026.
How does Oklahoma compare to neighboring states?
Oklahoma's typical home value of $223,261 compares with Texas at $299,367, Kansas at $249,603, Arkansas at $227,264. The U.S. typical home value is $368,697, putting Oklahoma 39.4% below the national figure.
Is now a good time to buy in Oklahoma?
That depends on your timeline, not the headline. The measurable inputs today: a 30-year fixed rate of 7.03%, 3.2 months of supply statewide (Redfin, through May 2026), active listings -5.7% year over year, and home values +2.8% over the past year. Buyers with a five-year-plus horizon are mostly exposed to the payment, not the price, so the rate you can qualify for matters more than the month you buy. Properties Incorporated is an independent data platform, not a brokerage or lender — this is information, not advice.
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Keep researching Oklahoma
City-vs-city in Oklahoma
Studies & tools
How we built these numbers
Neighboring state markets
- Texas housing market — $299,367 typical value
- Kansas housing market — $249,603 typical value
- Arkansas housing market — $227,264 typical value
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