Housing affordability index in Oklahoma

Housing affordability index in Oklahoma: puts one number on the housing question: 17.2% of the state's median household income goes to principal and interest on a median-priced home at today's rate.

30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).

Share of income

17.2%

principal + interest

Monthly payment

$887

on a $170,689 home

Median income

$61,995

households, ACS 5-year

Housing affordability index in Oklahoma: counties ranked, least affordable first
RankCountyShare of incomeMonthly P&I
1Payne County26.2%$1,019
2Oklahoma County19%$989
3Tulsa County18.8%$1,020
4Beckham County18.1%$778
5Kingfisher County18.1%$982
6Woods County18%$762
7Custer County17.9%$876
8Delaware County17.8%$792
9Cleveland County17.7%$1,059
10Bryan County17.4%$787
11McIntosh County17.4%$628
12Cherokee County17.2%$751
13Logan County17.1%$1,149
14Rogers County17.1%$1,072
15Mayes County16.9%$797
16McClain County16.7%$1,114
17Wagoner County16.7%$1,047
18Osage County16.6%$806
19Woodward County16.5%$839
20Choctaw County16.4%$590
21Texas County16.4%$759
22Roger Mills County16.3%$783
23Canadian County16.1%$1,105
24Creek County16.1%$825
25Carter County16%$750
26Muskogee County16%$670
27Pittsburg County16%$705
28Comanche County15.9%$757
29Pontotoc County15.9%$787
30Love County15.8%$802
31Marshall County15.8%$709
32Washington County15.8%$784
33Pottawatomie County15.7%$764
34Atoka County15.6%$639
35Craig County15.6%$623
36Sequoyah County15.6%$616
37Lincoln County15.3%$734
38Murray County15.3%$770
39Pushmataha County15.3%$538
40Adair County15%$562
41Latimer County14.9%$532
42Grady County14.8%$920
43Haskell County14.8%$569
44Le Flore County14.8%$578
45McCurtain County14.8%$579
46Garvin County14.5%$646
47Ottawa County14.5%$558
48Okfuskee County14.3%$542
49Stephens County13.9%$662
50Garfield County13.8%$738
51Nowata County13.8%$587
52Blaine County13.5%$638
53Noble County13.1%$732
54Okmulgee County13%$552
55Kay County12.9%$580
56Johnston County12.7%$515
57Pawnee County12.7%$597
58Seminole County12.7%$458
59Hughes County12.1%$453
60Coal County12%$472
61Caddo County11.9%$519
62Dewey County11.9%$609
63Jackson County11.8%$598
64Kiowa County11.7%$417
65Ellis County11.5%$555
66Major County11.4%$640
67Greer County11%$506
68Cotton County10.9%$548
69Washita County10.6%$533
70Beaver County10.5%$553
71Harper County10.1%$502
72Jefferson County9.3%$375
73Grant County9%$440
74Harmon County8.8%$408
75Cimarron County8.5%$405
76Tillman County8.5%$327
77Alfalfa County8%$500

Methodology

Every county figure for Oklahoma uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.

The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.

Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.

Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.