Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$55,800−18.4% YoY · prices are falling fast
Market right nowBalanced, leaning sellersFewer homes for sale than last year, 0% have cut their price
Income needed to buy, per year$12,096About 0.3× the local median income ($44,893): affordable for a typical household
Days on market31 daysFaster than a year ago: sellers have the edge
The typical home in Harmon County, OK is worth $55,800, down 18.4% from a year ago. That is well below what local incomes have historically supported: fair value is about $87,368, so the area is 36.1% undervalued. It is a balanced market, leaning toward sellers: homes take about 31 days to sell, listings are down 40% from a year ago, 0% of listings have had a price cut. A household needs about $12,096 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $44,893. In the latest IRS figures, 27 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$55,800
Change in 1 year
−18.4%
Overvalued %
−36.1%
Show 6 more
Fair home value
$87,368
Change in 5 years
−28.8%
Home value to income
1.2×
Monthly mortgage payment (20% down)
$302
Income needed to afford it
$12,096
Property tax rate
0.67%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$916
Market activity
Listings vs a year ago
−40.0%
Days on market
31
Listings with a price cut
0.0%
Show 3 more
Homes for sale
3
Pending sales per 100 listings
67
Asking price per sq ft
$100
People and jobs
Median household income
$44,893
Population change (1 year)
−0.3%
Unemployment rate
7.2%
Show 4 more
Population
2,327
Income adjusted for cost of living
$53,700
Net moves in (IRS)
+27
Cost of living (US = 100)
83.6
Schools, risk and environment
School rating (1 to 10)
6.3
FEMA hazard risk score (0 to 100)
10.2
Flood risk score
3.8
Show 3 more
Wildfire risk score
58.0
Walkability (1 to 20)
7.1
Road, rail and air noise
53 dB
Questions people ask
Is Harmon County, OK overvalued?
Home prices in Harmon County, OK are well below what local incomes have historically supported: fair value is about $87,368, so the area is 36.1% undervalued.
Is Harmon County, OK a buyer's or seller's market?
Harmon County, OK is a balanced market, leaning toward sellers: homes take about 31 days to sell, listings are down 40% from a year ago, 0% of listings have had a price cut.
Are home prices going down in Harmon County, OK?
Home values in Harmon County, OK are down 18.4% over the last year.
How much do you need to earn to buy a home in Harmon County, OK?
A household needs about $12,096 a year to afford the typical home in Harmon County, OK at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $44,893.