The story of this market
The typical home in Payne County, Oklahoma sells for about $279,000, or $161 per square foot.
Prices are down 3.89% from a year ago, which gives buyers more room to negotiate. Homes take about 46 days to sell. Over the long run, values in this county have grown 99% since 2000. Last year 12 of 17 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is cold wave, which FEMA rates very high. HUD's fair market rent for a two-bedroom is $1,010 a month.
HUD sets the fair market rent for a 2-bedroom at $1,010 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Price climate
Every year of price change, 2000–2025
+2.5%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+12.6%). Worst: 2011 (-2.3%). Hover to read a year.
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
$1,399
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.
Neighborhood price trend
Long-run price trend, 2000–2025
+2.5%
2025 change
FHFA repeat-sales index, median of 17 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
75
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $50,252,586.
Mortgage activity
Home lending in this county
82.1%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 1990 | 1012 | 82.1% | 12.1% | $180,000 |
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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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.
Payne County, Oklahoma
The Payne County housing market is currently balanced between buyers and sellers with a median listing price of $279,000. Market activity shows a slight year-over-year decline in listing prices, while the median days on market remains relatively stable. The local economy is anchored by Oklahoma State University, which continues to influence housing demand.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. 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 · 6 cities · 9 ZIP reports
Median prices moved up 20.0% year over year.
Homes spend a median of 58 days on market with 0.1 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 1.36% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.6% · poverty 21.2% — 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 9 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.
researched Sep 28
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| 74023 | Cushing | $195,000 | $112 | +5.4% | 84 | 96.5% | 12% | 4.2 | 78 | $772 | researched Sep 28 |
| 74032 | Glencoe | $157,500 | $161 | — | 46 | — | — | — | 29 | $1,010 | researched Sep 28 |
| 74056 | Pawhuska | $135,000 | $114 | — | 61 | — | — | — | 178 | $920 | researched Sep 28 |
| 74059 | Perkins | $235,000 | $140 | +2.5% | 65 | 97.5% | 12% | 6.8 | 102 | $1,250 | researched Sep 28 |
| 74062 | Ripley | $284,835 | $158 | +4.2% | 93 | 97.5% | 12% | 3.8 | 158 | $1,250 | researched Sep 28 |
| 74074 | Stillwater | $294,900 | $164 | -9.3% | 25 | — | — | — | 281 | $1,800 | researched Sep 28 |
| 74075 | Stillwater | $297,500 | $164 | -9.3% | 59 | — | — | — | 95 | $1,010 | researched Sep 28 |
| 74076 | Stillwater | $405,000 | $181 | +34% | 60 | — | — | — | 108 | $1,010 | researched Sep 28 |
| 74086 | Yale | $405,000 | $181 | +5.8% | 60 | — | — | — | — | $1,010 | researched Sep 28 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Payne County hosts 39 public schools rated good and higher by GreatSchools, alongside 3 private and charter schools.
The county is home to Oklahoma State University, which serves as a major economic anchor and driver of local development.
The economy is heavily influenced by Oklahoma State University and the associated education and research sectors.
Data retrieved from Census Reporter and Census QuickFacts.
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.