The typical owner-occupied home in Ralston is worth about $43,900, 78% below the Oklahoma median of $199,800 and 87% below the national median of $332,700. Owners pay a median $290 a year in property taxes, about 0.66% of their home's value, lower than the Oklahoma rate of 0.80%. The median household earns $49,821 a year, so the median home costs 0.9 times the median income (3.1 times for Oklahoma). 81% of occupied homes here are lived in by their owners, and 18% of those owners still have a mortgage.
Ralston at a glance
| Ralston | Oklahoma | U.S. | |
|---|---|---|---|
| Median home value | $43,900 | $199,800 | $332,700 |
| Median property tax paid per year | $290 | $1,599 | $3,119 |
| Property tax as a share of value | 0.66% | 0.80% | 0.94% |
| Median household income | $49,821 | $65,039 | $80,734 |
| Homes lived in by their owners | 81% | 66% | 65% |
| Owner homes with a mortgage | 18% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,563 | $1,539 | $1,963 |
| Those costs as a share of the owners' income | 18.8% | 19.6% | 21.0% |
| Median rent | $517 | $1,014 | $1,413 |
| Rent as a share of renters' income | 12.5% | 28.4% | 30.6% |
| Median year homes were built | 1946 | 1980 | 1980 |
| Vacant homes | 26.6% | 12.0% | 10.1% |
| Population | 328 | 4,028,634 | 334,922,499 |
What a typical home costs per month in Ralston
At this week's average 30-year rate of 7.11%, buying the median Ralston home of $43,900 with 20% down costs about $279 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $352, 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 $11,944 for the 20%-down payment. That payment is 7% of the median Ralston household income of $49,821; at that income and 20% down, the 28% guideline points to a home of about $183,000.
The median rent here is $517 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $8,780 |
|---|---|
| Loan amount | $35,120 |
| Principal and interest | $236 |
| Property taxes (0.66% a year) | $24 |
| Homeowners insurance (our estimate, 0.5% a year) | $18 |
| PMI | $0 |
| Total per month | $279 |
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| Down payment | $1,536 |
|---|---|
| Loan amount | $43,105 |
| Principal and interest | $290 |
| Property taxes (0.66% a year) | $24 |
| Homeowners insurance (our estimate, 0.5% a year) | $18 |
| FHA mortgage insurance | $19 |
| Total per month | $352 |
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Questions about home buying in Ralston
What is the median home value in Ralston?
About $43,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ralston?
Homeowners pay a median $290 a year, which is about 0.66% 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 Ralston?
For the median home with 20% down at 7.11%, the payment is about $279 a month. Keeping that under 28% of gross income takes about $11,944 a year.
More about Ralston
- Mortgage Refinance in Ralston
- Debt Relief in Ralston
- Home Equity Loans in Ralston
- 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