State rental market reference · Data updated October 18, 2026
Oklahoma rental market for DSCR investors: rent, taxes and insurance by county
What a rental in Oklahoma rents for, what it costs to carry, and whether it stays rented, from official data for all 77 counties. Read it before you price a deal here.
Oklahoma at a glance
What does a rental rent for?
$1,229 a month
HUD's FY2027 2-bedroom Fair Market Rent where most of Oklahoma's renters live, from $916 (Kay County) to $1,264 (Logan County). It is the government figure for a modest 2-bedroom unit, utilities included, not the rent for a house.
What will property taxes cost?
0.80% of value a year
Homeowners in Oklahoma pay a median $1,599 a year on a median home value of $199,800 (Census ACS 2020–2024). A rental can be taxed at a different rate than an owner's home; the local tax bill is the real number.
What will insurance cost?
$1,920 a year
The median that homeowners with a mortgage in Oklahoma report paying for homeowners insurance (Census ACS 2020–2024). It is not a landlord quote: a rental policy usually costs more, and flood cover is extra.
Will it stay rented?
6.5% rental vacancy
Share of Oklahoma's rental homes vacant and for rent (Census ACS 2020–2024), across 534,552 renter households. Lower means rentals fill faster.
Are jobs growing?
Employment down 1.9% in a year
Employed residents in August 2026 against a year earlier; unemployment 4.1% (BLS, not seasonally adjusted, so compare the same month a year apart).
Is new supply coming?
15,513 homes permitted in 2025
About 9.9 new homes per 1,000 households; 75% single-family (Census Building Permits Survey). More new homes means more competition for tenants and buyers.
How often does it flood?
4,543 flood claims since 2005
National Flood Insurance Program claims on properties in Oklahoma since 2005, $162.0 million paid (FEMA). Claims show where water has reached insured buildings; they are not a flood map, so check the FEMA flood zone for the address.
What it means for a DSCR rental in Oklahoma
A lender's DSCR is the monthly rent divided by the full monthly payment: principal, interest, property taxes, insurance and any HOA dues. Many lenders accept 1.00x; 1.20x leaves a cushion.
Take a home at Oklahoma's median value of $199,800, bought with 25% down on a 7.5% 30-year loan, with the state's typical tax rate and insurance:
- Principal and interest ($149,850 loan)
- $1,048
- Property taxes
- $133
- Insurance
- $160
- Full monthly payment
- $1,341
- Rent for a 1.20x DSCR
- $1,610 a month
The government 2-bedroom figure where most of Oklahoma's renters live is $1,229 a month, below the $1,610 that home needs. A house usually rents for more than a 2-bedroom unit, so price the house you are looking at with its own rent. The last column of the table below gives the same figure for each county.
Rules and costs a landlord faces in Oklahoma
Each line quotes the official source it comes from and the date it was last checked. These are general rules, not legal advice; local rules can add to them.
- How long before you can file to evict for unpaid rent?
5 calendar days' notice for unpaid rent before an eviction can be filed.
A landlord may terminate a rental agreement for failure to pay rent when due, if the tenant fails to pay the rent within five (5) days after written notice of landlord's demand for payment.
Oklahoma Real Estate Commission (41 O.S. § 131(B), Oklahoma Residential Landlord and Tenant Act), checked October 18, 2026
- How fast must the deposit come back?
Within 45 days after the tenancy ends.
the landlord shall return the balance of the security deposit without interest to the tenant within forty-five (45) days after the termination of tenancy, delivery of possession and written demand by the tenant.
Oklahoma Real Estate Commission (41 O.S. § 115(B)), checked October 18, 2026
- Can rents be capped?
State law bars cities and counties from capping rents.
No municipal governing body may enact, maintain, or enforce any ordinance or resolution which regulates the amount of rent to be charged for privately owned, single-family or multiple unit residential or commercial rental property.
Oklahoma Legislature (11 O.S. § 14-101.1, Oklahoma Statutes), checked October 18, 2026
- What does the state charge to record a purchase?
State tax: $0.75 per $500.00.
The tax shall be prorated at the rate of seventy-five cents ($0.75) for each Five Hundred Dollars ($500.00) of the consideration or any fractional part thereof.
Oklahoma Tax Commission (68 O.S. § 3201), checked October 18, 2026
- Is a rental taxed like the owner's home?
A rental does not get the owner's homestead benefit; non-homestead assessments are capped at 5%.
the fair cash value of any parcel of locally assessed real property which constitutes homestead property or agricultural land shall not increase by more than 3% in any taxable year. The fair cash value of all other locally assessed real property shall not increase by more than 5%.
Oklahoma Tax Commission (OAC 710:10-1-3), checked October 18, 2026
- Where do you insure when private insurers decline?
Oklahoma Market Assistance Program (OK-MAP).
If you are having problems finding homeowners insurance, you should contact the Oklahoma Market Assistance Program (OK-MAP). OK-MAP can connect you with insurance companies that may be willing to cover your home.
Oklahoma Insurance Department, checked October 18, 2026
Market hubs in Oklahoma
DSCRInfo does not publish a monthly market hub in Oklahoma yet. The figures above and the table below cover every county; the market hubs cover other states.
Oklahoma by county
All 77 counties, most renter households first. "Rent for 1.20x" is the monthly rent a home at that county's median value needs on the example loan above. A dash means the source publishes no reliable figure there.
| County | 2-bed FMR | Property tax | Insurance / yr | Rental vacancy | Jobs, 1 yr | Permits | Flood claims | Rent for 1.20x |
|---|---|---|---|---|---|---|---|---|
| Oklahoma County | $1,264 | 0.97% | $2,240 | 7.6% | -1.6% | 6,803 | 702 | $1,840 |
| Tulsa County | $1,229 | 0.97% | $1,870 | 5.4% | -2.1% | 3,184 | 437 | $1,860 |
| Cleveland County | $1,264 | 1.00% | $2,220 | 5.2% | -1.6% | 590 | 236 | $1,940 |
| Comanche County | $974 | 0.88% | $1,820 | 6.8% | -2.8% | 200 | 493 | $1,360 |
| Payne County | $1,010 | 0.85% | $2,040 | 8.3% | -2.9% | 217 | 36 | $1,800 |
| Canadian County | $1,264 | 0.97% | $2,360 | 7.0% | -1.6% | 370 | 125 | $2,020 |
| Muskogee County | $949 | 0.67% | $1,500 | 5.9% | -2.7% | 53 | 146 | $1,220 |
| Rogers County | $1,229 | 0.75% | $1,890 | 3.9% | -2.0% | 833 | 132 | $1,880 |
| Garfield County | $997 | 0.87% | $1,880 | 8.0% | -1.9% | 20 | 23 | $1,330 |
| Pottawatomie County | $949 | 0.66% | $1,820 | 3.4% | -1.5% | 194 | 80 | $1,330 |
| Creek County | $1,229 | 0.71% | $1,810 | 4.6% | -2.0% | 270 | 15 | $1,460 |
| Bryan County | $1,004 | 0.64% | $1,600 | 5.4% | -1.7% | 155 | 20 | $1,370 |
| Cherokee County | $943 | 0.54% | $1,370 | 5.8% | -0.3% | 22 | 92 | $1,290 |
| Carter County | $1,040 | 0.74% | $1,760 | 6.3% | -6.8% | 55 | 44 | $1,360 |
| Washington County | $930 | 0.90% | $1,730 | 5.8% | -3.5% | 19 | 137 | $1,420 |
| Wagoner County | $1,229 | 0.79% | $1,820 | 4.0% | -2.0% | 680 | 160 | $1,850 |
| Grady County | $1,011 | 0.68% | $2,140 | 4.3% | -1.4% | 208 | 90 | $1,650 |
| Kay County | $916 | 0.66% | $1,510 | 8.3% | -2.7% | 29 | 126 | $1,020 |
| Pontotoc County | $982 | 0.65% | $1,810 | 13.8% | -5.8% | 27 | 21 | $1,400 |
| Pittsburg County | $916 | 0.50% | $1,680 | 4.7% | -2.5% | 31 | 21 | $1,230 |
| Le Flore County | $916 | 0.62% | $1,330 | 6.1% | -0.6% | 52 | 36 | $1,070 |
| Sequoyah County | $979 | 0.55% | $1,490 | 5.5% | -1.7% | 92 | 35 | $1,100 |
| Stephens County | $916 | 0.68% | $1,820 | 4.9% | -0.8% | 41 | 45 | $1,200 |
| Custer County | $916 | 0.69% | $1,790 | 7.7% | -2.1% | 29 | 11 | $1,450 |
| Okmulgee County | $921 | 0.66% | $1,390 | 5.4% | -2.0% | 18 | 83 | $980 |
Show the other 52 counties
| County | 2-bed FMR | Property tax | Insurance / yr | Rental vacancy | Jobs, 1 yr | Permits | Flood claims | Rent for 1.20x |
|---|---|---|---|---|---|---|---|---|
| Jackson County | $916 | 0.59% | $1,590 | 6.3% | -1.0% | 20 | 4 | $1,250 |
| Delaware County | $980 | 0.60% | $1,520 | 4.7% | -1.1% | 65 | 100 | $1,360 |
| Mayes County | $916 | 0.65% | $1,510 | 3.9% | +0.1% | 46 | 91 | $1,460 |
| Ottawa County | $916 | 0.62% | $1,390 | 4.6% | -2.9% | 17 | 416 | $990 |
| Osage County | $1,229 | 0.69% | $1,830 | 2.7% | -1.9% | 167 | 28 | $1,450 |
| McClain County | $1,264 | 0.79% | $2,240 | 3.3% | -1.4% | 393 | 35 | $2,040 |
| Garvin County | $916 | 0.55% | $1,640 | 3.5% | -3.7% | 12 | 28 | $1,180 |
| McCurtain County | $916 | 0.37% | $1,520 | 13.9% | -1.7% | 11 | 48 | $1,110 |
| Logan County | $1,264 | 0.78% | $2,480 | 4.9% | -1.5% | 157 | 112 | $1,990 |
| Beckham County | $1,039 | 0.84% | $1,510 | 17.4% | -6.9% | 2 | 3 | $1,170 |
| Lincoln County | $916 | 0.56% | $1,570 | 5.0% | -1.4% | 55 | 5 | $1,300 |
| Seminole County | $916 | 0.62% | $1,640 | 4.6% | -3.3% | 101 | 28 | $850 |
| Caddo County | $916 | 0.54% | $1,510 | 6.0% | -4.4% | 3 | 24 | $940 |
| Texas County | $1,079 | 0.69% | $2,150 | 18.1% | -1.7% | 16 | 3 | $1,360 |
| Adair County | $916 | 0.48% | $1,350 | 5.5% | +0.1% | 1 | 21 | $930 |
| Woodward County | $1,001 | 0.58% | $1,660 | 9.2% | -1.5% | 6 | 13 | $1,330 |
| Choctaw County | $916 | 0.41% | $1,430 | 5.9% | -3.8% | 0 | 3 | $990 |
| McIntosh County | $916 | 0.57% | $1,360 | 4.6% | -1.8% | 15 | 2 | $1,140 |
| Kingfisher County | $1,039 | 0.58% | $2,090 | 8.7% | -1.1% | 18 | 73 | $1,690 |
| Murray County | $979 | 0.42% | $1,510 | 6.7% | +0.0% | 15 | 1 | $1,220 |
| Craig County | $940 | 0.55% | $1,530 | 8.0% | -1.6% | 4 | 26 | $1,180 |
| Marshall County | $916 | 0.55% | $1,680 | 6.3% | +1.5% | 63 | 3 | $1,290 |
| Atoka County | $916 | 0.55% | $1,560 | 6.3% | +0.2% | 14 | 7 | $1,230 |
| Pawnee County | $972 | 0.67% | $1,630 | 5.6% | -1.8% | 2 | 1 | $1,080 |
| Okfuskee County | $916 | 0.48% | $1,420 | 3.5% | -0.8% | 3 | 1 | $930 |
| Woods County | $956 | 0.58% | $1,620 | 8.8% | -4.0% | 7 | 1 | $1,120 |
| Pushmataha County | $916 | 0.39% | $1,340 | 6.9% | -2.4% | 0 | 1 | $1,020 |
| Johnston County | $916 | 0.56% | $1,460 | 6.6% | -2.7% | 10 | 3 | $940 |
| Latimer County | $916 | 0.53% | $1,300 | 3.0% | +0.1% | 2 | 3 | $870 |
| Love County | $1,101 | 0.63% | $1,590 | 6.2% | -2.7% | 18 | 1 | $1,340 |
| Hughes County | $916 | 0.60% | $1,580 | 12.3% | -3.1% | 0 | 2 | $860 |
| Kiowa County | $916 | 0.58% | $1,570 | 10.5% | +0.2% | 0 | 17 | $820 |
| Haskell County | $916 | 0.43% | $1,690 | 4.1% | -3.5% | 6 | 2 | $1,100 |
| Washita County | $916 | 0.52% | $1,590 | 10.9% | +3.6% | 10 | 3 | $970 |
| Nowata County | $943 | 0.65% | $1,560 | 2.7% | -2.7% | 26 | 12 | $1,110 |
| Noble County | $916 | 0.80% | $1,610 | 5.6% | -1.2% | 4 | 2 | $1,200 |
| Blaine County | $1,021 | 0.58% | $1,860 | 4.3% | +1.5% | 3 | 5 | $1,060 |
| Tillman County | $916 | 0.63% | $1,410 | 3.5% | -3.4% | 0 | 3 | $690 |
| Jefferson County | $916 | 0.63% | $1,210 | 6.5% | +0.2% | – | 1 | $690 |
| Coal County | $916 | 0.53% | $1,430 | 6.0% | -1.0% | 13 | 1 | $930 |
| Major County | $916 | 0.63% | $1,680 | 7.5% | -3.9% | 3 | 16 | $1,200 |
| Alfalfa County | $916 | 0.58% | $1,250 | 8.9% | +1.3% | 0 | 9 | $820 |
| Greer County | $916 | 0.50% | $1,650 | 1.4% | +1.2% | 0 | 3 | $910 |
| Cotton County | $916 | 0.74% | $1,600 | 1.4% | -2.1% | 1 | 16 | $960 |
| Dewey County | $916 | 0.52% | $1,600 | 13.3% | +1.5% | 6 | 0 | $1,070 |
| Grant County | $916 | 0.49% | $1,660 | 4.9% | +2.2% | 3 | 3 | $880 |
| Beaver County | $916 | 0.78% | $1,620 | 28.4% | +1.2% | 0 | 0 | $1,080 |
| Harmon County | $916 | 0.67% | $1,710 | 15.6% | -0.9% | – | 7 | $730 |
| Ellis County | $916 | 0.74% | $1,660 | 18.4% | +3.1% | 1 | 2 | $1,000 |
| Roger Mills County | $932 | 0.46% | $1,520 | 15.5% | -1.4% | 0 | 0 | $1,220 |
| Harper County | $916 | 0.64% | $1,560 | 7.6% | -2.1% | 2 | 0 | $840 |
| Cimarron County | $916 | 0.40% | – | – | -1.4% | 0 | 0 | – |
Where these numbers come from
- 2-bedroom Fair Market Rent
- HUD's FY2027 Fair Market Rents, in effect from October 1, 2026: the rent and utilities of a modest 2-bedroom unit, set for housing vouchers. It is not a house rent. Where HUD publishes by town (New England), the county shows the range. HUD Fair Market Rents
- Property tax, insurance, vacancy and home value
- Census American Community Survey 5-year estimates, 2020–2024. Property tax is the median tax paid divided by the median home value of owner-occupied homes. Insurance is the median that owners with a mortgage report paying, not a landlord quote. Rental vacancy is homes vacant for rent divided by all rental homes. Figures from too few homes are left blank. American Community Survey
- Jobs
- BLS Local Area Unemployment Statistics: employed residents in August 2026 against the same month a year earlier, not seasonally adjusted. BLS LAUS
- Permits
- Census Building Permits Survey: new housing units authorized in 2025, all building sizes. Building Permits Survey
- Flood claims
- FEMA National Flood Insurance Program claims with a loss in 2005 or later, and the net amount paid. Only insured buildings appear. Check a flood zone
These are screening figures for comparing places, not a quote, an appraisal or a loan offer. Oklahoma total flood payments since 2005: $162.0 million.