Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$191,508+6.4% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 16% have cut their price
Income needed to buy, per year$41,515About 0.7× the local median income ($60,954): affordable for a typical household
Days on market66 daysFaster than a year ago: sellers have the edge
The typical home in Pontotoc County, OK is worth $191,508, up 6.4% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $182,565, so the area is 4.9% overvalued. It is a balanced market, leaning toward sellers: homes take about 66 days to sell, listings are up 5% from a year ago, 16% of listings have had a price cut. A household needs about $41,515 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 $60,954. Typical rent is $1,028 a month. In the latest IRS figures, 227 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
$191,508
Change in 1 year
+6.4%
Overvalued %
+4.9%
Show 6 more
Fair home value
$182,565
Change in 5 years
+25.5%
Home value to income
3.1×
Monthly mortgage payment (20% down)
$1,038
Income needed to afford it
$41,515
Property tax rate
0.65%
Rent and investing
Typical rent
$1,028
Price-to-rent ratio
15.5×
HUD Fair Market Rent, 2 bedrooms
$982
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Gross rental yield
6.44%
Cap rate (estimate)
4.19%
Market activity
Listings vs a year ago
+5.3%
Days on market
66
Listings with a price cut
16.2%
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Homes for sale
120
Pending sales per 100 listings
35
Asking price per sq ft
$136
People and jobs
Median household income
$60,954
Population change (1 year)
+0.5%
Unemployment rate
3.7%
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Population
38,528
Income adjusted for cost of living
$72,911
Net moves in (IRS)
+227
Cost of living (US = 100)
83.6
Schools, risk and environment
School rating (1 to 10)
6.4
FEMA hazard risk score (0 to 100)
62.9
Unhealthy air days a year
1
Show 4 more
Flood risk score
45.6
Wildfire risk score
90.2
Walkability (1 to 20)
6.6
Road, rail and air noise
52 dB
Questions people ask
Is Pontotoc County, OK overvalued?
Home prices in Pontotoc County, OK are slightly above what local incomes have historically supported: fair value is about $182,565, so the area is 4.9% overvalued.
Is Pontotoc County, OK a buyer's or seller's market?
Pontotoc County, OK is a balanced market, leaning toward sellers: homes take about 66 days to sell, listings are up 5% from a year ago, 16% of listings have had a price cut.
Are home prices going down in Pontotoc County, OK?
Home values in Pontotoc County, OK are up 6.4% over the last year.
How much do you need to earn to buy a home in Pontotoc County, OK?
A household needs about $41,515 a year to afford the typical home in Pontotoc County, OK at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $60,954.