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Featured local agent — Cole, OK
Sarah Mitchell
Compass Real Estate · Cole, OK
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Cole, OK Housing Market
The typical home in Cole, OK is worth $307,765, rose 3.1% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $575,000 (through May 2026). With 5.0 months of supply and homes going under contract in about 181 days, Cole is a leaning buyer's. At today's 7.03% 30-year fixed rate, 20% down on a $307,765 home is about $1,643/mo in principal and interest.
Key numbers for Cole, OK
Typical home value
$307,765
+3.1% in 12 months
Zillow, August 2026
Median sale price
$575,000
Last published period
Redfin, through May 2026
Days on market
181
Slow-moving
Redfin, through May 2026
Active listings
5
5.0 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$82,000
Home costs 3.8x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.0%
Selling above asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Cole a buyer's or seller's market?
Cole, OK is a leaning buyer's, based on 5.0 months of supply and homes selling in about 181 days. 4 to 5 months of supply is the neutral band: neither side holds a structural advantage, and outcomes turn on the individual property.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Cole housing market data show?
Every row below is Redfin's final published month for Cole, OK. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $575,000 |
| Median price per sq ft | $191/sq ft |
| Median days on market | 181 days |
| Active inventory | 5 listings |
| Months of supply | 5.0 months |
| Sale-to-list price ratio | 100.0% |
| Homes sold (that month) | 1 |
| Listings with a price cut | 40.0% |
| Market condition | Leaning buyer's |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Cole is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Cole is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Cole home prices moved?
Across the 29 months we hold for Cole, OK, the median sale price rose 10.6%, from $520,000 in April 2021 to $575,000. The live Zillow value series has rose 3.1% in the last 12 months, which is the more current read now that Redfin's series has stopped. 40.0% of Cole listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 5.0 months while the sale-to-list ratio slips below its current 100.0%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Cole?
Priced off the typical home value of $307,765 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $61,553 | $246,212 | $1,643/mo |
| 5% | $15,388 | $292,377 | $1,951/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,643, that implies roughly $70,415 a year before you add taxes and insurance. The median household in Cole earns $82,000, about $11,585 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.8x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Cole in the next 12 months?
Tell us your timeline. We send the Cole market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Cole?
Zillow does not publish a rent index (ZORI) for Cole, OK, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Cole?
Active listings in Cole, OK went from 1 in August 2024 to 5 in May 2026, a +400.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| September 2024 | 1 | not published |
| October 2024 | 1 | not published |
| January 2025 | 2 | 1 |
| February 2025 | 1 | not published |
| March 2025 | 2 | 1 |
| July 2025 | 3 | 1 |
| August 2025 | 4 | 1 |
| December 2025 | 8 | 2 |
| February 2026 | 8 | 1 |
| March 2026 | 5 | 1 |
| April 2026 | 5 | 1 |
| May 2026 | 5 | not published |
Redfin, through May 2026
How does Cole compare to Oklahoma and the U.S.?
Cole homes sell for $575,000 — 117% above the Oklahoma median of $264,600. Against the national median of $410,700, Cole runs 40% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Cole, OK | $575,000 | not published | 181 days |
| Oklahoma statewide | $264,600 | +1.9% | 39 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Cole
What buyers should watch
- Months of supply, currently 5.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 40.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $308 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $307,765 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Cole listing goes under contract in 181 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.0% of asking. Price at the number you want and let competition do the rest.
- Your equity moved +3.1% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Cole varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Cole
There are currently 5 homes listed for sale in Cole, Oklahoma.
Active listings
5
Homes on market
Avg. days on market
181
Days until sale
How much do homes cost in Cole by property type?
How the Cole, OK market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $575,000 | $191/sq ft | 1 | 181 days |
Who lives in Cole?
American Community Survey estimates for Cole. U.S. Census ACS, 2023
Population
856
Households
296
Median income
$82,000/yr
Median age
32.5 years
Owner-occupied
91.2%
Median home value
$233,800
Median gross rent
$886/mo
Mean commute
28.7 min
91.2% of occupied homes in Cole are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $233,800 against Zillow's $307,765 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Cole, OK?
Ordered by distance from Cole, not by size. Compare Cole side by side with any of them.
Cole housing market FAQ
Is Cole a buyer's or seller's market?
Cole, OK is currently a leaning buyer's. That read comes from 5.0 months of supply, homes going under contract in about 181 days, and sellers getting 100.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Cole?
The typical home in Cole, OK is worth $307,765 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $575,000, about $191 per square foot.
Is Cole cheaper than the rest of Oklahoma?
Cole's median sale price of $575,000 is 117% higher than the Oklahoma statewide median of $264,600, and 40% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Cole?
Homes in Cole, OK spent a median of 181 days on market before going under contract, versus 39 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Cole?
At the current 30-year fixed rate of 7.03%, 20% down on a $307,765 home is about $1,643 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $70,415 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $82,000.
Are home prices rising in Cole?
The typical home value in Cole, OK rose 3.1% over the last 12 months, from $298,567 to $307,765 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Cole?
Cole ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Cole?
That depends on your timeline, not on a headline. What the data says today: Cole, OK is a leaning buyer's with 5.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $307,765, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.