The most affordable cities to buy a house in Oklahoma (2026)

Every Oklahoma city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 7.24% (30-yr fixed), including Oklahoma property tax and insurance. Data through 2026-09.

1. Okmulgee — typical home $106K, income to buy about $33,000/yr
2. Altus — typical home $110K, income to buy about $34,000/yr
3. Miami — typical home $130K, income to buy about $40,000/yr
4. Woodward — typical home $132K, income to buy about $41,000/yr
5. Duncan — typical home $134K, income to buy about $42,000/yr
6. Enid — typical home $136K, income to buy about $42,000/yr
7. Ponca City — typical home $137K, income to buy about $43,000/yr
8. Del City — typical home $138K, income to buy about $43,000/yr
9. Muskogee — typical home $139K, income to buy about $43,000/yr
10. Lawton — typical home $145K, income to buy about $45,000/yr
11. McAlester — typical home $156K, income to buy about $48,000/yr
12. Chickasha — typical home $157K, income to buy about $49,000/yr
13. Ardmore — typical home $157K, income to buy about $49,000/yr
14. Midwest City — typical home $168K, income to buy about $52,000/yr
15. Elk City — typical home $169K, income to buy about $52,000/yr
16. Bethany — typical home $175K, income to buy about $54,000/yr
17. Guymon — typical home $177K, income to buy about $55,000/yr
18. Shawnee — typical home $179K, income to buy about $55,000/yr
19. Warr Acres — typical home $180K, income to buy about $56,000/yr
20. El Reno — typical home $183K, income to buy about $57,000/yr
21. Ada — typical home $186K, income to buy about $58,000/yr
22. Bartlesville — typical home $188K, income to buy about $58,000/yr
23. Tahlequah — typical home $201K, income to buy about $62,000/yr
24. Oklahoma City — typical home $205K, income to buy about $64,000/yr
25. Tulsa — typical home $218K, income to buy about $68,000/yr

At the other end, Oklahoma's priciest markets: Jenks ($110,000/yr), Edmond ($110,000/yr), Bixby ($104,000/yr), Owasso ($99,000/yr), Choctaw ($95,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

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