Income needed to buy a home
Stephens County, OK
$47,002
a year in household income to buy the typical Stephens County home with 10% down.
The monthly math
Typical home value$142,914
Down payment (10%)$14,291
Loan$128,623
Principal and interest (7.40%)$891/mo
Property tax (0.68% a year)$81/mo
Homeowners insurance (estimate)$71/mo
Mortgage insurance$54/mo
Total monthly cost$1,097/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Within reach
The typical household here earns $61,620 a year, 31% more than it takes.
In Oklahoma
Stephens County ranks #27 of 77 for the income a home takes, from least to most.
Easiest to afford in Oklahoma
| County | Typical home | Income needed |
|---|---|---|
| Tillman County | $57,791 | $18,955 |
| Harmon County | $60,375 | $19,889 |
| Kiowa County | $74,716 | $24,391 |
| Cimarron County | $76,566 | $24,727 |
| Harper County | $75,609 | $24,915 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.