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Prototype of a planned home-buying brokerage for the 50 largest U.S. cities. Not a licensed brokerage in any state, and no brokerage services are offered. Listings, people and companies are sample data; market statistics are real public data, cited where shown.

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Trends · Oklahoma

House prices and costs in Oklahoma City, OK

How house prices moved across 44 Oklahoma City ZIP codes, what buyers here borrowed and paid, what's new and how buying works in Oklahoma. Public data, with sources and dates. Past change, not a forecast.

Oklahoma City, OK metro house prices +2.3% in the year to 2026 Q2 (FHFA, purchases)

7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.

How house prices moved in Oklahoma City, 2022–2025

Of 28 ZIPs with enough data, 19 rose 7% or more, 0 fell 7% or more and 3 moved less (no clear change); 6 swung too much from year to year to rank. Past rankings are a weak guide: of the ZIPs in their city's top 3 for 2019–2022, 25 of 134 (about 1 in 5) were top 3 again for 2022–2025; chance alone would give about 21. Past change, not a forecast.

FHFA's experimental ZIP house price index: houses with Fannie Mae or Freddie Mac loans, from sales and refinance appraisals. Condos, co-ops and multi-unit buildings aren't in it. Tap a ZIP to see it on the map.

Largest house-price rises, 2022–2025

3-year change of the ZIP index; ZIPs with an index every year, 5,000+ residents and 1,000+ owner-occupied homes. Left out as too jumpy: a ZIP whose index rose 7% or more in one year and fell as much in another. Each year's change below.

  1. 1ZIP 73103 · includes Heritage Hills2023 +11.2% · 2024 -5.4% · 2025 +13.6%+19.5%
  2. 2ZIP 731142023 +8.2% · 2024 +0.8% · 2025 +9.3%+19.2%
  3. 3ZIP 748572023 +3.7% · 2024 +6.7% · 2025 +7.0%+18.4%
  4. 4ZIP 731352023 +13.9% · 2024 -1.4% · 2025 +4.6%+17.5%
  5. 5ZIP 731272023 +6.0% · 2024 +11.0% · 2025 -0.3%+17.3%

Largest house-price falls, 2022–2025

3-year change of the ZIP index; ZIPs with an index every year, 5,000+ residents and 1,000+ owner-occupied homes. Left out as too jumpy: a ZIP whose index rose 7% or more in one year and fell as much in another. Each year's change below.

No Oklahoma City ZIP's house prices fell 7% or more from 2022 to 2025.

Lowest owner-reported values

Median value owners report (Census ACS 2020–2024). Left out: ZIPs under 1,000 residents, less reliable estimates, and ZIPs where most owners live in condos or co-ops.

  1. 1ZIP 73129± $9.7K · ≈ $771/mo housing payment (est.) on a house, 20% down$85K
  2. 2ZIP 73109± $11K · ≈ $864/mo housing payment (est.) on a house, 20% down$99K
  3. 3ZIP 73119± $6.8K · ≈ $873/mo housing payment (est.) on a house, 20% down$101K
  4. 4ZIP 73141± $23K · ≈ $1,133/mo housing payment (est.) on a house, 20% down$141K
  5. 5ZIP 73117± $24K · ≈ $1,214/mo housing payment (est.) on a house, 20% down$154K

Population grew most

Residents, 2015–2019 to 2020–2024 (Census ACS): only changes larger than the margin of error, in ZIPs with 1,000+ residents.

  1. 1ZIP 73104 · includes Bricktown3,692 residents+51.0%
  2. 2ZIP 731347,522 residents+43.1%
  3. 3ZIP 731658,357 residents+31.1%
  4. 4ZIP 7309991,014 residents+29.3%
  5. 5ZIP 7301246,993 residents+22.7%

Public loan records · 2025

What buyers here actually borrowed and paid (2025)

2025 home-purchase loans (first liens) on owner-occupied 1–4 unit homes in Oklahoma City's census tracts: 7,206 loans. These are loans that closed in Oklahoma City, not offers: a rate depends on your credit, down payment, points and the day you lock it.

Interest rate, 30-year fixed (conventional)
6.125% to 6.875%Middle half of loans; median 6.625% · 3,124 loans
Loan costs at closing
$3,876 to $6,327Middle half; median $4,679. Origination charges (points included) and settlement services, Closing Disclosure section D · 3,527 loans
Borrowed, every loan on the home combined
95% of the value (median)Middle half 80% to 97%. 72.2% of buyers borrowed more than 80% of the value, 59.4% more than 90%, 44.4% more than 95%. HMDA's combined loan-to-value: every loan on the home (second loans, down-payment-assistance loans and financed FHA or VA fees too) ÷ the value the lender used, so it doesn't show the cash buyers put down · 6,723 loans
Loan types
Conventional 54.2% · FHA 30%VA 15.7% · USDA 0.1%
Discount points
50.9% of loans paid pointsMedian paid: $2,117. Points buy a lower rate.
Loan limits, 2026
$832,750 conformingAbove it, a jumbo loan with its own rates and rules; FHA limit $541,287 (one-unit home, Oklahoma County)

For comparison: 7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR. Source: FFIEC Home Mortgage Disclosure Act (HMDA) data: 2025 Snapshot National Loan-Level Dataset (data as of June 1, 2026), via the CFPB HMDA Data Browser; Homiy's calculations (2025 loans; retrieved 2026-09-27).

Research · dated and sourced

What's new in Oklahoma City

Rail openings, zoning changes and big projects from primary sources, newest first. Stars on the map mark the ones with a location. News, not a price forecast.

  1. Zoning change

    Accessory-dwelling ordinance takes effect in mapped urban areas

    The city’s 2025 change applies in Urban Medium and Urban High plan areas. Do not assume it applies to every property inside the large municipal boundary.

    Oklahoma City Planning, Accessory Dwellings
  2. Rail opened

    RAPID Northwest bus rapid transit launches

    EMBARK’s first BRT corridor begins service between downtown and the Northwest Expressway corridor. This is a bus-service opening, not rail.

    EMBARK, OKC Moves and RAPID launch

Metro area · public data

Oklahoma City, OK

House prices, year to 2026 Q2
+2.3%FHFA purchase-only index
House prices, 5 years to 2026 Q2
+27.6%FHFA purchase-only index
House prices, 2025
+2.6%All sales and refinances, like the ZIP figures; 2022–2025: +13.5%
New homes permitted
5.2 per 1,000 residents7,882 homes · -1.2% vs a year earlier · Sep 2025–Aug 2026
Jobs, 12 months
+0.7%Aug 2026 (preliminary)
Population, July 2020 to July 2025
+5.8%1,512,813 residents in July 2025 (Census estimates)
Mortgage rate benchmark
7.03%Freddie Mac average, week of Sep 24, 2026

7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR. New homes permitted is a supply signal: more permits per resident usually means more homes coming to market. Jobs, permits and population cover the whole metro.

Natural hazards, compared with other U.S. counties

  • Oklahoma County, OK: expected yearly losses rated very high for tornado, hail; expected yearly losses rated relatively high for inland flooding, heat wave, winter weather.
    Other ratings for Oklahoma County, OK
    • EarthquakeRelatively Moderate
    • WildfireRelatively Moderate
    • HurricaneVery Low
  • Canadian County, OK: expected yearly losses rated relatively high for tornado, winter weather, hail.
    Other ratings for Canadian County, OK
    • EarthquakeRelatively Low
    • WildfireRelatively Low
    • HurricaneVery Low
    • Inland floodingRelatively Moderate
    • Heat waveRelatively Moderate
  • Cleveland County, OK: expected yearly losses rated relatively high for heat wave, tornado, winter weather, hail.
    Other ratings for Cleveland County, OK
    • EarthquakeRelatively Moderate
    • WildfireRelatively Low
    • HurricaneVery Low
    • Inland floodingRelatively Moderate
  • Pottawatomie County, OK: expected yearly losses rated relatively high for tornado.
    Other ratings for Pottawatomie County, OK
    • EarthquakeRelatively Low
    • WildfireRelatively Moderate
    • HurricaneVery Low
    • Inland floodingRelatively Low
    • Heat waveRelatively Moderate
    • Winter weatherRelatively Moderate
    • HailRelatively Moderate

FEMA National Risk Index December 2025: Expected Annual Loss rating of each hazard, by county (NRI December 2025): expected annual losses to buildings, people and agriculture; FEMA's social-vulnerability adjustments aren't included. This describes each county, not this home. Check the address on FEMA's flood map; in a high-risk flood zone, a federally backed loan requires flood insurance.

Sources (9)

Research summary · not legal advice

How buying works in Oklahoma

The usual steps, deadlines and closing costs for a purchase in Oklahoma City, from state law, standard contract forms and local custom. Contracts can change any of it. Homiy is a prototype: it isn't a licensed brokerage in Oklahoma and offers no services here.

Who runs the closing
A title company runs the closing and holds the money. Typical time from contract to keys: about 30 days.
The contract
Your signed offer becomes a binding contract once the seller accepts it.
Details

Oklahoma REALTORS residential contract of sale (association form; defaults not reviewed)

Buyer agreement
Buyer brokerage agreement under the Broker Relationships Act (59 O.S. §858-351 and following), signed before touring.
Details

No statute on timing found; NAR's 2024 rule requires a written agreement before touring.

Source: NAR, Written Buyer Agreements: State Groupings (the 27 states with buyer-agreement laws) (August 2024)

Inspection
About 10 days for inspections.
Details

Sample; set in the contract.

Earnest money
1–2% of the price, due within 3 days, held by: Broker trust account or title company.
Details

Sample values; the contract sets them.

Seller's disclosure
Residential Property Condition Disclosure Statement or Disclaimer (OREC forms)
Details

Due before the seller accepts an offer; the buyer's remedy for a false statement is damages, not rescission (60 O.S. §§831–839).

Source: Oklahoma Residential Property Condition Disclosure Act (60 O.S. §§831–839), OREC 2025 (2025)

Loan and appraisal
Loan contingency: 21 days (set in the contract).
Details

Sample; appraisal and financing terms are set in the contract.

Title insurance
Who pays for the owner's policy varies; the contract decides.
Details

Negotiated in the contract; custom not verified.

Property tax for a new owner
The seller's caps and exemptions end with the sale; your assessment starts over at market value. About 1.3% of the price a year is our planning figure for Oklahoma City; your bill can differ.
Details

A homestead's taxable value can rise at most 5% a year, but it resets to fair cash value when the home sells. Assessed at 11% of value in Oklahoma and Tulsa counties, less a $1,000 homestead exemption.

A sale resets Oklahoma's 5% homestead cap, so a buyer pays on fair cash value: Oklahoma City district 200, 122.90 mills (TY2025) × 11% assessment, less the $1,000 homestead exemption ≈ 1.30% at $250,000. Long-time owners pay less (ACS 1.00%).

Agent credits to the buyer
Oklahoma doesn't allow an agent to credit part of their pay to the buyer: ask for a lower price instead.
Details

Licensees may not use money or gifts as an inducement conditioned on buying a property, nor pay a buyer's down payment or earnest money (59 O.S. §858-312(12), (22)). Ask for a lower price instead.

Source: Oklahoma Real Estate License Code and Rules (59 O.S. §858-312) (as of 2023-11-01)

Closing taxes

Closing taxes in Oklahoma City, who customarily pays and the rate
TaxCustomarily paid byRate
Oklahoma documentary stamp taxSeller0.15% of the priceOklahoma Tax Commission rules ch. 30, documentary stamps (68 O.S. §3201)

Programs and after you buy

Down-payment help
OHFA Homebuyer Down Payment and/or Closing Cost Assistance (Oklahoma Housing Finance Agency (OHFA))3.5% of the total loan amount toward the down payment or closing costs, with an OHFA loan; price and income limits apply.Official page, checked 2026-09-28.Oklahoma's housing finance agency runs it; the program decides who qualifies and for how much.
Down-payment help in Oklahoma City
Homebuyer Assistance (City of Oklahoma City)Down payment and closing cost help of up to $18,000, based on need, for income-eligible buyers purchasing inside the program boundaries.Official page, checked 2026-09-28.
Homestead exemption
Assessor (Oklahoma County Assessor)The Assessor's calendar lists March 15 as the deadline for filing homestead applications; households with income up to $25,000 may add a further $1,000 exemption.Deadline: March 15Official page, checked 2026-09-28.
If you disagree with your assessment
Assessor (Oklahoma County Assessor)If you disagree with a Notice of Increase in Valuation, request an informal hearing with the Assessor's Office within the time the notice gives.When: the time frame on your noticeOfficial page, checked 2026-09-28.
After you buy: alerts on your deed
OKCC Property Alert System (Oklahoma County Clerk)A free service that notifies you by text or email if a document is recorded that matches your registered property.Official page, checked 2026-09-28.
Sources (9)

Methodology

How we measure, and what it isn't

Past change, not a forecast. These figures describe the past from public data; they don't tell you where prices go next.

House prices by ZIP, and the rankings

FHFA's experimental ZIP house price index: houses with Fannie Mae or Freddie Mac loans, from sales and refinance appraisals. Condos, co-ops and multi-unit buildings aren't in it. It's built from repeat sales and refinance appraisals of the same homes, not average sale prices, and FHFA publishes no margin of error for it. We rank ZIPs by the change over the last 3 years, only where FHFA published the index in every one of them, and only ZIPs with 5,000+ residents and 1,000+ owner-occupied homes. A change smaller than 7% either way is “no clear change”: in our 50 cities, the index's own year-to-year swings suggest sampling alone can move a three-year change about that much. A ZIP whose index rose 7% or more in one year and fell as much in another is left out as too jumpy. We show rises and falls, each year's change, and the city's and metro's figures for the same years. Past rankings are a weak guide: of the ZIPs in their city's top 3 for 2019–2022, 25 of 134 (about 1 in 5) were top 3 again for 2022–2025; chance alone would give about 21. Many ZIPs, especially dense ones, have no index.

City and metro price figures

City: the resident-weighted average of its ZIPs that have an index (the ZIP card says when that's only part of the city). Metro: FHFA's all-transactions index over the same calendar years, the ZIPs' method; the metro card also shows FHFA's purchase-only index for the latest quarter against a year and five years earlier. Where FHFA splits a metro into divisions (New York, Miami, Detroit and others), the division's index, named where it's shown. Jobs, permits and population always cover the whole metro.

Payment ÷ income

Monthly housing payment (est.) on a house at the ZIP's median value: 20% down · 30-year fixed at 7.03% (Freddie Mac average) · 360 monthly loan payments · APR not calculated (it depends on the lender's fees) · includes principal and interest, property tax, home insurance and any HOA dues, plus mortgage insurance below 20% down. Property tax uses Oklahoma City's rule for a new buyer (about 1.3% of the price a year, our planning figure); insurance is a typical premium. Not included: upkeep, utilities, flood insurance, special assessments. Divided by a month of the ZIP's median household income. The Census reports values over $2 million and incomes over $250,000 only as “or more”, so those shares are bounds (“at least”, “at most”). Left out where 50% or more of owner-occupied homes are in buildings with 5+ units: their HOA dues or co-op charges aren't in the payment. It combines two estimates, so no margin is computed. 7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.

Census figures and margins of error

American Community Survey 5-year estimates, 2020–2024: the median value owners report for their homes (it lags sale prices; co-op owners report the value of their shares), median rent with utilities, median household income, residents, and the property tax and monthly costs owners report. Each comes with its 90% margin of error (±). Figures whose margin is 20–49% of the estimate are marked “less reliable” and left out of rankings and tags; figures with wider margins aren't shown. A population change (from 2015–2019) is shown only when it passes the Census Bureau's 90% significance test; otherwise it says “no clear change”. Oklahoma City's own figures come from the Census's estimates for the city itself where published; otherwise they blend its ZIPs (no margin computed). Lists leave out ZIPs with fewer than 1,000 residents.

Tags

Lower home values:
The median value owners report is in the lowest quarter of the city's ZIPs (Census ACS). Less reliable estimates and ZIPs where most owners live in condos or co-ops aren't compared.
Population grew:
Residents rose 5% or more between the two latest five-year Census surveys, by more than the margin of error.
Mostly condos or co-ops:
Half or more of owner-occupied homes are in buildings with 5 or more units. Values there leave out HOA dues and co-op charges, so they aren't ranked.
New rail nearby:
A rail station opened within about a mile in 2023–2026.

“New rail nearby” uses our dated news pins: a ZIP whose center is within 1,600 m of a station that opened, plus the ZIP the station sits in. No tag describes price momentum.

Hazards and flood insurance

FEMA's National Risk Index rates each county's expected yearly losses from each hazard against all U.S. counties; we show those Expected Annual Loss ratings for every county the city lies in, without FEMA's social-vulnerability adjustments. They describe counties, not homes. Flood insurance counts are policies and claims in the federal program (NFIP) only. Check an address's flood zone on FEMA's flood map.

What buyers borrowed and paid

Public HMDA loan records: home-purchase first liens on owner-occupied 1–4 unit homes in the city (the card names the area covered), with the number of loans behind each figure. Loans that closed, not offers or quotes.

Neutral by design

We describe prices, payments, population counts, construction and rail lines. We don't describe places by who lives there, schools or crime, and we don't call areas “up-and-coming”, “transitional” or “safe”. Choose where to live for your own reasons.

Sources and dates