Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$97,685+5.3% YoY · prices are rising fast
Market right nowSeller's marketFewer homes for sale than last year, 0% have cut their price
Income needed to buy, per year$21,176About 0.4× the local median income ($51,511): affordable for a typical household
Days on market86 daysSlower than a year ago: buyers have time to negotiate
The typical home in Jefferson County, OK is worth $97,685, up 5.3% from a year ago. That is well above what local incomes have historically supported: fair value is about $85,955, so the area is 13.6% overvalued. It is a seller's market: homes take about 86 days to sell, listings are down 50% from a year ago, 0% of listings have had a price cut. A household needs about $21,176 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 $51,511. In the latest IRS figures, 87 more people moved out than in.
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
$97,685
Change in 1 year
+5.3%
Overvalued %
+13.6%
Show 6 more
Fair home value
$85,955
Change in 5 years
+40.8%
Home value to income
1.9×
Monthly mortgage payment (20% down)
$529
Income needed to afford it
$21,176
Property tax rate
0.63%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$916
Market activity
Listings vs a year ago
−50.0%
Days on market
86
Listings with a price cut
0.0%
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Homes for sale
11
Pending sales per 100 listings
64
Asking price per sq ft
$116
People and jobs
Median household income
$51,511
Population change (1 year)
+0.2%
Unemployment rate
5.2%
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Population
5,431
Income adjusted for cost of living
$61,616
Net moves in (IRS)
−87
Cost of living (US = 100)
83.6
Schools, risk and environment
School rating (1 to 10)
5.1
FEMA hazard risk score (0 to 100)
20.9
Unhealthy air days a year
4
Show 4 more
Flood risk score
14.2
Wildfire risk score
78.2
Walkability (1 to 20)
6.1
Road, rail and air noise
52 dB
Questions people ask
Is Jefferson County, OK overvalued?
Home prices in Jefferson County, OK are well above what local incomes have historically supported: fair value is about $85,955, so the area is 13.6% overvalued.
Is Jefferson County, OK a buyer's or seller's market?
Jefferson County, OK is a seller's market: homes take about 86 days to sell, listings are down 50% from a year ago, 0% of listings have had a price cut.
Are home prices going down in Jefferson County, OK?
Home values in Jefferson County, OK are up 5.3% over the last year.
How much do you need to earn to buy a home in Jefferson County, OK?
A household needs about $21,176 a year to afford the typical home in Jefferson County, OK at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $51,511.