The story of this market
The typical home in Jefferson County, Oklahoma sells for about $185,000, or $110 per square foot.
Prices are up +30.7% from a year ago, so sellers still have some momentum. Homes take about 41 days to sell. The biggest natural hazard here is drought, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $916 a month.
HUD sets the fair market rent for a 2-bedroom at $916 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Monthly price momentum
Home values since 2015
+1.7%
OK · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,091
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Natural hazard exposure
The area's risk shape
73
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $4,805,777.
Mortgage activity
Home lending in this county
72.6%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 117 | 59 | 72.6% | 0% | $105,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Jefferson County, Oklahoma
The Jefferson County housing market remains a low-volume, rural environment with limited inventory. Prices are influenced by local demand for affordable, single-family homes, though the market lacks the high-velocity turnover seen in larger metropolitan areas.
7 distress filing(s) on the ARED verified county foreclosure ledger. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 2 cities · 2 ZIP reports
Median prices moved up 2.1% year over year.
Homes spend a median of 49 days on market with 4.8 months of supply — a fast-moving market.
7% of listings have cut prices · homes sell at 57.6% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.5% · poverty 18.0% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 2 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
Waurika Lake was created in 1971 by damming Beaver Creek, serving as a primary water resource and flood control feature for the area.
The local economy is largely rural and agricultural, with Waurika serving as the county seat and primary hub for services.
Property taxes are assessed by the county based on local millage rates; specific exemptions for homesteads and agricultural land apply under Oklahoma state law.
Waurika Lake provides significant regional recreation, including fishing, boating, and camping opportunities.
The rental market is limited, with a significant portion of the housing stock being owner-occupied.
The economy is primarily driven by agriculture and local government services centered in Waurika.
The county is served by state highway corridors connecting to regional hubs, with no major public transit infrastructure.
The Jefferson County Assessor manages property valuations for tax purposes in accordance with Oklahoma state statutes.
Parcels are subject to local school district taxes and county-wide levies.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A major reservoir created by damming Beaver Creek, offering fishing and water recreation.
Data retrieved from U.S. Census Bureau QuickFacts and local housing market indicators.
Oklahoma allows for both judicial foreclosure and non-judicial foreclosure (power of sale) if the mortgage instrument contains a power of sale clause. The process involves specific notice requirements and trial/judgment procedures for judicial actions.
Oklahoma Statutes Title 60, Sections 125-127
Sellers of residential property are required to provide a written disclosure statement regarding the condition of the property to the purchaser, unless the transfer is specifically exempted (e.g., foreclosure, transfers between co-owners or spouses).
Oklahoma Statutes Title 60, Section 838; Oklahoma Real Estate License Code
Property is assessed at a ratio between 10% and 22.85% of fair cash value as determined by the county. Annual increases in assessed value for homestead and agricultural property are capped at 3% per year. Tax is calculated by applying the local millage rate to the assessed value.
Oklahoma Constitution Article X, Section 8B; Oklahoma Statutes Title 68
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.