10 Most Affordable Housing Markets in Oklahoma

Oklahoma is one of the most affordable states in the U.S., and these little-known pockets will make homebuying possible for just about any budget.

While property prices are low, economic opportunities abound, with military installations and other major employers calling these towns home. There’s no shortage of recreational and cultural activities to be found, as well.

Homebuyers looking to finally afford a home should look into the Sooner State.

Affordable Oklahoma Cities and Typical Home Prices

1. Ponca City - $132,295

Named after the Native American Tribe that once called the area home, Ponca City hosts Standing Bear Park, commemorating the Ponca Tribe’s Chief Standing Bear, who successfully argued for Native American personhood under the law. Buying the typical home in Ponca City will set you back just an estimated $1,106 per month.

2. Enid - $132,298

The ninth-largest city in Oklahoma and the seat of Garfield County, Enid offers a balance of urban and suburban lifestyles. Job opportunities abound, as the home to Vance Air Force Base, and with other major employers in the area, such as Tyson Foods and St. Mary’s Regional Medical Center. The average monthly mortgage payment in Enid? A very affordable $1,106.

3. Duncan - $132,927

Home of the Chisholm Trail Heritage Center, this Duncan museum showcases the cowboy and ranching culture that played a crucial role in shaping the region. Today, the area hosts manufacturing facilities, and the oil and gas industry is a significant player in the economy as well. The typical home in Duncan is also budget-friendly, with an estimated monthly mortgage payment of $1,111.

4. Del City - $137,459

Del City is best known for its proximity to Tinker Air Force Base, one of the most prominent military installations in the U.S. The base provides economic opportunity for this town of around 22,000. Living in Del City is affordable, with the average cost to buy a home estimated at just $1,149 per month.

5. Lawton - $137,569

With cultural opportunities such as the Comanche National Museum, Museum of the Great Plains, and Fort Sill National Historic Landmark Museum, Lawton has no shortage of attractions for history lovers. And with average home prices below $140,000, even those on a budget will have excess cash each month to see the sights. Want to buy in Lawton? Plan for an estimated mortgage payment of $1,150.

6. Muskogee - $137,967

A city of about 36,000, Muskogee residents pride themselves as true “Okies,” surviving the Dust Bowl and oil bust, according to Visit Muskogee. The town is now a vibrant community featuring museums, festivals, and plenty of activities for locals. Home prices remain affordable, however, with the typical property costing just an estimated $1,153 per month.

7. McAlester - $150,799

The McAlester Army Ammunition Plant has played a crucial role in the city's economy since World War II. In addition to the ammunition plant, McAlester's job market is supported by industries such as agriculture, healthcare, and retail. With plenty of employment opportunities available, it’s pretty easy to afford McAlester’s average estimated monthly housing cost of $1,261.

8. Ardmore - $155,125

Not only is Ardmore an enjoyable place to live, but homebuyers who meet USDA eligibility criteria can also purchase a home here with zero down payment. The USDA Rural Development home loan agency considers the entire town “rural” and has approved the region for this low-down-payment financing. Conventional borrowers should expect a mortgage cost of $1,297 per month for the typical Ardmore home.

9. Midwest City - $165,498

Adjacent to Del City – number four on our list – Midwest City is also supported by Tinker AFB. Just 15 minutes outside downtown Oklahoma City, this suburb provides access to employment and culture without feeling too urban. The average mortgage payment doesn’t feel very urban, either, with the typical Midwest City home available at an estimated monthly cost of just $1,383.

10. Shawnee - $172,237

Another suburb of Oklahoma City, Shawnee is a town of around 30,000. Located outside of the urban core, around 45 minutes east of downtown OKC, Shawnee offers a more laid-back, small-town feel than many of the city’s other suburbs. Its historic downtown, shops, water park, hiking trails, and more make this an attractive area for homebuyers. The average estimated mortgage cost in Shawnee? A cool $1,440 per month.

Get Pre-Approved for Your Oklahoma Home

Many towns and cities across Oklahoma are affordable for just about any budget. From rural communities like Lawton and Ardmore to Oklahoma City suburbs like Midwest City and Del City, there are plenty of reasonably-priced places in the state to call home. See what home price you qualify for by requesting your pre-approval today.

Methodology

To find the 10 most affordable housing markets in Oklahoma, we started with average home prices as reported on the Zillow Home Value Index (ZHVI) Single-Family Home Time Series for November 2025. We assumed a 5% down payment, the typical requirement for first-time buyers. We then calculated the monthly payment on a 30-year fixed mortgage at 6.395%, the recent 30-day average from rate marketplace I Can Buy based on a buyer with a 700 credit score putting 5% down. We added PMI costs per mortgage insurance provider MGIC and tax rates by state from TaxFoundation.org. Homeowner’s insurance estimates were calculated using Nerdwallet’s cost in each state for $300,000 in dwelling coverage. We multiplied this rate by 67.8%, the U.S. average of total market value represented by the structure according to ResiClub (since homeowners insurance is based on the structure, not total value). We then multiplied this rate by the average home’s total market value. We assumed no HOA dues. To increase relevancy, we limited eligible cities to the top 3,000 largest by population nationwide per Zillow data.

Estimated payments are for example purposes only. Not a commitment to lend.