What income do you need to buy a house in Chelsea, OK?

It takes about $40,000/yr to afford the typical Chelsea, OK home ($134K, +3.1% past year) at today's rates. Starter homes run around $79K. See if you can afford a house in Chelsea (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $40,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, OK property tax and insurance)
• Typical home value: $134K (Zillow ZHVI, 2026-07)
• 1-year change: +3.1%
• Bottom 35% of homes: $79K
• Top 35% of homes start around: $204K
• Median household income: $51K
• Price-to-income ratio: 2.6
• Estimated payment on the typical home: $697/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Vinita, OK — typical home $194K
• Claremore, OK — typical home $264K
• Collinsville, OK — typical home $287K
• Owasso, OK — typical home $320K
• Catoosa, OK — typical home $236K
• Skiatook, OK — typical home $282K

The most affordable cities to buy a house in Oklahoma

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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