The typical owner-occupied home in Amber is worth about $116,100, 42% below the Oklahoma median of $199,800 and 65% below the national median of $332,700. The median household earns $55,313 a year, so the median home costs 2.1 times the median income (3.1 times for Oklahoma). 78% of occupied homes here are lived in by their owners, and 48% of those owners still have a mortgage.
Amber at a glance
| Amber | Oklahoma | U.S. | |
|---|---|---|---|
| Median home value | $116,100 | $199,800 | $332,700 |
| Median property tax paid per year | – | $1,599 | $3,119 |
| Median household income | $55,313 | $65,039 | $80,734 |
| Homes lived in by their owners | 78% | 66% | 65% |
| Owner homes with a mortgage | 48% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,227 | $1,539 | $1,963 |
| Those costs as a share of the owners' income | 17.6% | 19.6% | 21.0% |
| Median rent | $1,100 | $1,014 | $1,413 |
| Rent as a share of renters' income | 27.5% | 28.4% | 30.6% |
| Median year homes were built | 1977 | 1980 | 1980 |
| Vacant homes | 12.0% | 12.0% | 10.1% |
| Population | 445 | 4,028,634 | 334,922,499 |
What a typical home costs per month in Amber
At this week's average 30-year rate of 7.11%, buying the median Amber home of $116,100 with 20% down costs about $780 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $973, 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 $33,412 for the 20%-down payment. That payment is 17% of the median Amber household income of $55,313; at that income and 20% down, the 28% guideline points to a home of about $192,000.
The median rent here is $1,100 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $23,220 |
|---|---|
| Loan amount | $92,880 |
| Principal and interest | $625 |
| Property taxes (1.10% a year) | $106 |
| Homeowners insurance (our estimate, 0.5% a year) | $48 |
| PMI | $0 |
| Total per month | $780 |
Change the numbers in the calculator
| Down payment | $4,064 |
|---|---|
| Loan amount | $113,997 |
| Principal and interest | $767 |
| Property taxes (1.10% a year) | $106 |
| Homeowners insurance (our estimate, 0.5% a year) | $48 |
| FHA mortgage insurance | $51 |
| Total per month | $973 |
Change the numbers in the calculator
Questions about home buying in Amber
What is the median home value in Amber?
About $116,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Amber?
For the median home with 20% down at 7.11%, the payment is about $780 a month. Keeping that under 28% of gross income takes about $33,412 a year.
More about Amber
- Mortgage Refinance in Amber
- Debt Relief in Amber
- Home Equity Loans in Amber
- 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