Oklahoma Homes for Sale Under 400K

35,219 Homes for Sale

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Oklahoma Housing Market Overview

Oklahoma's real estate market shows equilibrium between buyers and sellers. This generates fair negotiating circumstances for all parties. With a 3.57 months of supply and properties spending 54 days on market on average, both buyers and sellers can pursue favorable results.

Status

Balanced Market

Days on Market

54

Inventory

35,219

Aug 2021May 2024Jul 2026

Median Home Price

$266,900Up 1.93%

In Jul 2026 · YoY

Aug 2021May 2024Jul 2026

Mortgage Rates 30-Yr Fixed

6.23%Down 0.58%

Current rate · YoY

Loan Type

30-Year Fixed

Housing Supply

Homes For Sale
35,219 Up 78.81%
Newly Listed Homes
4,700 Up 2.84%
Months of Supply
3.6 Down 20.26%

Housing Demand

Homes Sold
8,519 Up 124.24%
Sale-to-List Ratio
98% Down 0.19%
Homes Sold Above List
17.8% Down 8.34%

30-yr fixed rate 6.23% · Data as of Jul 2026 · Source: Houzeo Research.

View Full Oklahoma Market Report
No. of Homes
Houses for Sale in Brookside, Tulsa
66
Houses for Sale in Quail Creek, Oklahoma City
61
Houses for Sale in Surrey Hills Garden Club, Oklahoma City
58
Houses for Sale in Northwood Lake Estates, Oklahoma City
49
Houses for Sale in Classen Ten Penn, Oklahoma City
47
Houses for Sale in Valencia, Oklahoma City
45
Houses for Sale in Green Pastures Progressive, Oklahoma City
43
Houses for Sale in Featherstone, Oklahoma City
39
Houses for Sale in Epworth, Oklahoma City
37
Houses for Sale in Sky Line, Oklahoma City
36
Houses for Sale in Midtown, Oklahoma City
35
Houses for Sale in Northwood Village, Oklahoma City
35
Houses for Sale in Parkview, Oklahoma City
33
Houses for Sale in Culbertson East Highland, Oklahoma City
33
Houses for Sale in The Grove, Oklahoma City
32
Houses for Sale in Gaillardia, Oklahoma City
31
Houses for Sale in Crestwood, Oklahoma City
30
Houses for Sale in The Meadows At Surrey Hills, Oklahoma City
29
Houses for Sale in Westbury South, Oklahoma City
28
Houses for Sale in Metro Park, Oklahoma City
28

Frequently Asked Questions

Where is the cheapest place to buy a house in Oklahoma?

Anadarko is the most affordable city to buy a home in Oklahoma, with a median price of $67,179. The cost of living is also about 23.6% lower than the national average.

Other low-cost cities include Altus, Okmulgee, Miami, and Ponca City. Each has an average home price under $125K and generally offers a lower overall cost of living.

What is the average cost to buy a house in Oklahoma?

The average price of a home in Oklahoma is around $259,200, up about 3.3% from last year. Even with the increase, housing remains affordable compared to many other states.

Overall, Oklahoma's living costs are about 10% lower than the national average. This makes it an attractive option for buyers looking for value.

How many homes are available for sale in Oklahoma?

There are currently 47,490 homes for sale in Oklahoma. Of these, 37 are Oklahoma's hot properties and 442 are Oklahoma homes without HOA fees.

What are the average HOA fees in Oklahoma?

HOA fees in Oklahoma are lower than in many other states. In cities like Oklahoma City or Tulsa, they usually range from $120 to $175 per month, depending on the home and amenities. In upscale neighborhoods, fees can exceed $250.

In smaller towns such as Ada, Chickasha, or Woodward, fees are often lower, typically $20 to $50 per month. These may cover basic services like road maintenance, landscaping, or shared utilities. It's important to check what's included, as this varies by community.

Overall, Oklahoma's HOA fees are considered affordable. Be sure to include them in your total housing budget before purchasing.

What is the average utility cost in Oklahoma?

The average utility cost for a typical household in Oklahoma is around $471 per month. This includes electricity, gas, water, trash service, and internet.

Electricity is the largest expense, averaging about $134 per month, though it can go higher in summer and winter. Natural gas costs around $107, and water and trash services add roughly $65 combined. Internet and cable usually cost between $100 and $120, depending on the provider and plan.

Overall, Oklahoma's utility costs are below the national average. However, extreme weather can lead to seasonal spikes, so it's smart to budget for higher bills during the hottest or coldest months.

Is it smarter to rent or buy a home in Oklahoma?

Buying is often the smarter long-term choice in Oklahoma's housing market. The median home price is about $259,200, and property taxes are low. Monthly mortgage payments are often close to average rent.

Renting costs around $1,050 per month for a two-bedroom unit. In cities like Tulsa or Oklahoma City, prices vary but remain below national averages. Renting is a good option if you need short-term flexibility.

If you're planning to stay for several years, buying offers more value and stability. You can build equity over time and avoid rising rent. Use a mortgage calculator to compare monthly costs before deciding.

Is Oklahoma a good place to live?

Yes, Oklahoma is a great place to live for those looking for affordable living and a slower pace. The cost of living is about 10% below the national average, and housing remains well within reach in most cities.

Edmond stands out as one of the best places to live in the state. It's known for top-rated schools, low crime, and a strong local economy. The median home price is around $390,000, offering good value for the quality of life it provides.

Oklahoma also offers access to parks, lakes, and a growing number of job opportunities. While summers can be hot and transit options are limited in some areas, the overall lifestyle is welcoming, practical, and family-friendly.

What's the safest place to live in Oklahoma?

Hennessey is the safest city in Oklahoma, according to 2025 crime data. It reported zero violent crimes and just three property crimes per 1,000 residents last year. The town is known for its quiet streets, strong sense of community, and family-friendly environment.

Other safe cities include Piedmont, Elgin, Hooker, and Lone Grove. These places have consistently low crime rates, well-maintained neighborhoods, and good schools. Each offers a peaceful setting ideal for families, retirees, and anyone looking for a secure place to live.

Can a foreigner buy a house in Oklahoma?

Yes, foreigners can legally buy property in Oklahoma. There are no restrictions based on citizenship or residency, so even non-US residents can own real estate in the state.

However, financing can be more challenging. Many lenders ask for a 30% to 40% down payment and documents like a passport, visa, proof of income, and sometimes a US bank account. Some banks even offer special loan programs for foreign buyers to make the process easier.

What are the disadvantages of moving to Oklahoma?

Severe weather: Oklahoma is part of Tornado Alley and frequently experiences strong storms and tornadoes. This raises safety concerns and can lead to higher home insurance costs.

Limited public transportation: Most cities and towns lack reliable transit systems. Owning a car is almost essential for commuting and daily tasks.

Healthcare access: Rural areas often have limited medical facilities and specialists. This can lead to longer travel times for essential care.

Lower average wages: While the cost of living is low, many jobs in Oklahoma offer below-average pay. This can affect long-term financial growth and savings.
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    Based on information from MLS Technology, Inc. through Sep 2, 2026, 4:45 AM. Information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listing Information displayed on the IDX is deemed reliable but is not guaranteed accurate by the MLS. ©2025 MLS Technology, Inc. All Rights Reserved.
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    Based on information from the MLSOK through Sep 2, 2026, 4:46 AM. This information is not verified for authenticity or accuracy, is not guaranteed, and may not reflect all real estate activity in the market.

    This information is not verified for authenticity or accuracy, is not guaranteed and may not reflect all real estate activity in the market. We do not attempt to verify the currency, completeness, accuracy, or authenticity of the data contained herein. Information is subject to transcription and transmission errors and is provided “as is”. All information, including but not limited to property square footage and lot size, zoning, and fitness for a particular purpose is subject to inaccuracies and should be independently verified through personal inspection and/or consultation with appropriate professionals. The listing information provided is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective purchasers. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of MLSOK, Inc. Information last updated on Sep 2, 2026, 4:46 AM. © 2025 MLSOK, Inc. All rights reserved.

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Oklahoma Housing Marketlink qauare
Homes Available icon

35,219

Homes Available

Median List Price icon

$ 266,900

Median List Price

Avg on Market icon

54 Days

Avg on Market

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