The typical owner-occupied home in Cleveland County is worth about $235,700, 18% above the Oklahoma median of $199,800 and 29% below the national median of $332,700. Owners pay a median $2,360 a year in property taxes, about 1.00% of their home's value, higher than the Oklahoma rate of 0.80%. The median household earns $77,068 a year, so the median home costs 3.1 times the median income (3.1 times for Oklahoma). 64% of occupied homes here are lived in by their owners, and 60% of those owners still have a mortgage.
Cleveland County at a glance
| Cleveland County | Oklahoma | U.S. | |
|---|---|---|---|
| Median home value | $235,700 | $199,800 | $332,700 |
| Median property tax paid per year | $2,360 | $1,599 | $3,119 |
| Property tax as a share of value | 1.00% | 0.80% | 0.94% |
| Median household income | $77,068 | $65,039 | $80,734 |
| Homes lived in by their owners | 64% | 66% | 65% |
| Owner homes with a mortgage | 60% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,680 | $1,539 | $1,963 |
| Those costs as a share of the owners' income | 19.3% | 19.6% | 21.0% |
| Median rent | $1,167 | $1,014 | $1,413 |
| Rent as a share of renters' income | 29.2% | 28.4% | 30.6% |
| Median year homes were built | 1990 | 1980 | 1980 |
| Vacant homes | 6.1% | 12.0% | 10.1% |
| Population | 300,047 | 4,028,634 | 334,922,499 |
What a typical home costs per month in Cleveland County
At this week's average 30-year rate of 7.11%, buying the median Cleveland County home of $235,700 with 20% down costs about $1,563 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,956, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $66,990 for the 20%-down payment. That payment is 24% of the median Cleveland County household income of $77,068; at that income and 20% down, the 28% guideline points to a home of about $271,000.
The median rent here is $1,167 a month, so owning the median home costs about $396 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $47,140 |
|---|---|
| Loan amount | $188,560 |
| Principal and interest | $1,268 |
| Property taxes (1.00% a year) | $196 |
| Homeowners insurance (our estimate, 0.5% a year) | $98 |
| PMI | $0 |
| Total per month | $1,563 |
Change the numbers in the calculator
| Down payment | $8,250 |
|---|---|
| Loan amount | $231,431 |
| Principal and interest | $1,557 |
| Property taxes (1.00% a year) | $196 |
| Homeowners insurance (our estimate, 0.5% a year) | $98 |
| FHA mortgage insurance | $104 |
| Total per month | $1,956 |
Change the numbers in the calculator
Questions about home buying in Cleveland County
What is the median home value in Cleveland County?
About $235,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Cleveland County?
Homeowners pay a median $2,360 a year, which is about 1.00% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Cleveland County?
For the median home with 20% down at 7.11%, the payment is about $1,563 a month. Keeping that under 28% of gross income takes about $66,990 a year.
More about Cleveland County
- Mortgage Refinance in Cleveland County
- Debt Relief in Cleveland County
- Home Equity Loans in Cleveland County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data