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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Oklahoma residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Oklahoma, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Newcastle, Oklahoma
- Payment to income ratio: 23.0%
- Median sale price: $292,747
- Median household income: $97,315
- Income needed to buy: $74,757
- Median monthly mortgage payment: $1,869
- See homes for sale in Newcastle on

#2. Mustang, Oklahoma
- Payment to income ratio: 23.1%
- Median sale price: $266,385
- Median household income: $88,262
- Income needed to buy: $68,025
- Median monthly mortgage payment: $1,701
- See homes for sale in Mustang on

#3. Moore, Oklahoma
- Payment to income ratio: 23.2%
- Median sale price: $232,883
- Median household income: $76,941
- Income needed to buy: $59,470
- Median monthly mortgage payment: $1,487
- See homes for sale in Moore on

#4. Yukon, Oklahoma
- Payment to income ratio: 23.6%
- Median sale price: $235,154
- Median household income: $76,408
- Income needed to buy: $60,050
- Median monthly mortgage payment: $1,501
- See homes for sale in Yukon on

#5. Warr Acres, Oklahoma
- Payment to income ratio: 24.7%
- Median sale price: $196,377
- Median household income: $60,822
- Income needed to buy: $50,147
- Median monthly mortgage payment: $1,254
- See homes for sale in Warr Acres on

#6. Sand Springs, Oklahoma
- Payment to income ratio: 25.1%
- Median sale price: $240,730
- Median household income: $73,400
- Income needed to buy: $61,473
- Median monthly mortgage payment: $1,537
- See homes for sale in Sand Springs on

#7. Glenpool, Oklahoma
- Payment to income ratio: 26.0%
- Median sale price: $260,549
- Median household income: $76,726
- Income needed to buy: $66,535
- Median monthly mortgage payment: $1,663
- See homes for sale in Glenpool on

#8. Choctaw, Oklahoma
- Payment to income ratio: 26.5%
- Median sale price: $333,832
- Median household income: $96,446
- Income needed to buy: $85,248
- Median monthly mortgage payment: $2,131
- See homes for sale in Choctaw on

#9. Bixby, Oklahoma
- Payment to income ratio: 26.6%
- Median sale price: $345,649
- Median household income: $99,602
- Income needed to buy: $88,266
- Median monthly mortgage payment: $2,207
- See homes for sale in Bixby on

#10. Broken Arrow, Oklahoma
- Payment to income ratio: 26.6%
- Median sale price: $295,951
- Median household income: $85,220
- Income needed to buy: $75,575
- Median monthly mortgage payment: $1,889
- See homes for sale in Broken Arrow on

#11. Sapulpa, Oklahoma
- Payment to income ratio: 27.5%
- Median sale price: $220,976
- Median household income: $61,644
- Income needed to buy: $56,429
- Median monthly mortgage payment: $1,411
- See homes for sale in Sapulpa on

#12. Jenks, Oklahoma
- Payment to income ratio: 28.0%
- Median sale price: $383,057
- Median household income: $104,970
- Income needed to buy: $97,819
- Median monthly mortgage payment: $2,445
- See homes for sale in Jenks on

#13. Owasso, Oklahoma
- Payment to income ratio: 29.0%
- Median sale price: $300,873
- Median household income: $79,386
- Income needed to buy: $76,832
- Median monthly mortgage payment: $1,921
- See homes for sale in Owasso on

#14. Edmond, Oklahoma
- Payment to income ratio: 29.1%
- Median sale price: $388,106
- Median household income: $102,032
- Income needed to buy: $99,108
- Median monthly mortgage payment: $2,478
- See homes for sale in Edmond on

#15. Claremore, Oklahoma
- Payment to income ratio: 29.8%
- Median sale price: $222,368
- Median household income: $57,120
- Income needed to buy: $56,785
- Median monthly mortgage payment: $1,420
- See homes for sale in Claremore on