Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$115,975+4.3% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 15% have cut their price
Income needed to buy, per year$25,141About 0.4× the local median income ($57,006): affordable for a typical household
Days on market60 daysSlower than a year ago: buyers have time to negotiate
The typical home in Kay County, OK is worth $115,975, up 4.3% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $107,069, so the area is 8.3% overvalued. It is a balanced market, leaning toward sellers: homes take about 60 days to sell, listings are up 17% from a year ago, 15% of listings have had a price cut. A household needs about $25,141 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 $57,006. In the latest IRS figures, 134 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
$115,975
Change in 1 year
+4.3%
Overvalued %
+8.3%
Show 6 more
Fair home value
$107,069
Change in 5 years
+17.1%
Home value to income
2.0×
Monthly mortgage payment (20% down)
$629
Income needed to afford it
$25,141
Property tax rate
0.66%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$916
Market activity
Listings vs a year ago
+17.4%
Days on market
60
Listings with a price cut
15.0%
Show 3 more
Homes for sale
142
Pending sales per 100 listings
42
Asking price per sq ft
$104
People and jobs
Median household income
$57,006
Population change (1 year)
−0.3%
Unemployment rate
5.8%
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Population
43,490
Income adjusted for cost of living
$68,189
Net moves in (IRS)
−134
Cost of living (US = 100)
83.6
Schools, risk and environment
School rating (1 to 10)
6.0
FEMA hazard risk score (0 to 100)
79.9
Unhealthy air days a year
2
Show 4 more
Flood risk score
69.8
Wildfire risk score
88.5
Walkability (1 to 20)
7.2
Road, rail and air noise
52 dB
Questions people ask
Is Kay County, OK overvalued?
Home prices in Kay County, OK are slightly above what local incomes have historically supported: fair value is about $107,069, so the area is 8.3% overvalued.
Is Kay County, OK a buyer's or seller's market?
Kay County, OK is a balanced market, leaning toward sellers: homes take about 60 days to sell, listings are up 17% from a year ago, 15% of listings have had a price cut.
Are home prices going down in Kay County, OK?
Home values in Kay County, OK are up 4.3% over the last year.
How much do you need to earn to buy a home in Kay County, OK?
A household needs about $25,141 a year to afford the typical home in Kay County, OK at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $57,006.