Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$140,960+7.1% YoY · prices are rising fast
Market right nowSeller's marketFewer homes for sale than last year, 16% have cut their price
Income needed to buy, per year$30,557About 0.6× the local median income ($52,587): affordable for a typical household
Days on market79 daysSlower than a year ago: buyers have time to negotiate
The typical home in Ottawa County, OK is worth $140,960, up 7.1% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $130,451, so the area is 8.1% overvalued. It is a seller's market: homes take about 79 days to sell, listings are down 4% from a year ago, 16% of listings have had a price cut. A household needs about $30,557 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 $52,587. In the latest IRS figures, 57 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
$140,960
Change in 1 year
+7.1%
Overvalued %
+8.1%
Show 6 more
Fair home value
$130,451
Change in 5 years
+24.2%
Home value to income
2.7×
Monthly mortgage payment (20% down)
$764
Income needed to afford it
$30,557
Property tax rate
0.62%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$916
Market activity
Listings vs a year ago
−4.2%
Days on market
79
Listings with a price cut
15.5%
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Homes for sale
115
Pending sales per 100 listings
37
Asking price per sq ft
$117
People and jobs
Median household income
$52,587
Population change (1 year)
+0.0%
Unemployment rate
3.0%
Show 4 more
Population
30,438
Income adjusted for cost of living
$62,903
Net moves in (IRS)
+57
Cost of living (US = 100)
83.6
Schools, risk and environment
School rating (1 to 10)
4.7
FEMA hazard risk score (0 to 100)
76.0
Unhealthy air days a year
2
Show 4 more
Flood risk score
78.2
Wildfire risk score
64.9
Walkability (1 to 20)
6.7
Road, rail and air noise
52 dB
Questions people ask
Is Ottawa County, OK overvalued?
Home prices in Ottawa County, OK are slightly above what local incomes have historically supported: fair value is about $130,451, so the area is 8.1% overvalued.
Is Ottawa County, OK a buyer's or seller's market?
Ottawa County, OK is a seller's market: homes take about 79 days to sell, listings are down 4% from a year ago, 16% of listings have had a price cut.
Are home prices going down in Ottawa County, OK?
Home values in Ottawa County, OK are up 7.1% over the last year.
How much do you need to earn to buy a home in Ottawa County, OK?
A household needs about $30,557 a year to afford the typical home in Ottawa County, OK at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $52,587.