Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$139,453+3.1% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 13% have cut their price
Income needed to buy, per year$30,231About 0.5× the local median income ($59,105): affordable for a typical household
Days on market73 daysSlower than a year ago: buyers have time to negotiate
The typical home in Stephens County, OK is worth $139,453, up 3.1% from a year ago. That is well above what local incomes have historically supported: fair value is about $126,081, so the area is 10.6% overvalued. It is a balanced market, leaning toward buyers: homes take about 73 days to sell, listings are up 16% from a year ago, 13% of listings have had a price cut. A household needs about $30,231 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 $59,105. Typical rent is $935 a month. In the latest IRS figures, 294 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
$139,453
Change in 1 year
+3.1%
Overvalued %
+10.6%
Show 6 more
Fair home value
$126,081
Change in 5 years
+31.0%
Home value to income
2.4×
Monthly mortgage payment (20% down)
$756
Income needed to afford it
$30,231
Property tax rate
0.68%
Rent and investing
Typical rent
$935
Price-to-rent ratio
12.4×
HUD Fair Market Rent, 2 bedrooms
$916
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Gross rental yield
8.05%
Cap rate (estimate)
5.23%
Market activity
Listings vs a year ago
+16.5%
Days on market
73
Listings with a price cut
12.9%
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Homes for sale
198
Pending sales per 100 listings
28
Asking price per sq ft
$114
People and jobs
Median household income
$59,105
Population change (1 year)
+0.2%
Unemployment rate
5.2%
Show 4 more
Population
44,310
Income adjusted for cost of living
$70,700
Net moves in (IRS)
+294
Cost of living (US = 100)
83.6
Schools, risk and environment
School rating (1 to 10)
6.8
FEMA hazard risk score (0 to 100)
65.9
Flood risk score
54.2
Show 3 more
Wildfire risk score
88.5
Walkability (1 to 20)
6.5
Road, rail and air noise
52 dB
Questions people ask
Is Stephens County, OK overvalued?
Home prices in Stephens County, OK are well above what local incomes have historically supported: fair value is about $126,081, so the area is 10.6% overvalued.
Is Stephens County, OK a buyer's or seller's market?
Stephens County, OK is a balanced market, leaning toward buyers: homes take about 73 days to sell, listings are up 16% from a year ago, 13% of listings have had a price cut.
Are home prices going down in Stephens County, OK?
Home values in Stephens County, OK are up 3.1% over the last year.
How much do you need to earn to buy a home in Stephens County, OK?
A household needs about $30,231 a year to afford the typical home in Stephens County, OK at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $59,105.