Garfield County, OK Average Home Price (2026)
The average home price in Garfield County, Oklahoma is about $156,000 (the 2026 median across 12 ZIP codes, at ~$109/sq ft) — 17% more affordable than the Oklahoma median and 46% more affordable than the typical U.S. home.
How Garfield County compares
Garfield County is relatively affordable for housing nationally: its typical home costs $156,000 against $188,000 for Oklahoma and $289,000 for the U.S. Within the county, ZIP-level values run from about $79,000 to $471,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Garfield County | $156,000 | $109 |
| Oklahoma | $188,000 | $140 |
| United States | $289,000 | $193 |
Garfield County home prices by ZIP code
The 12 most valuable ZIP codes in Garfield County (of 12 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 73727 Carrier | $471,000 | $248 | +202% |
| 73056 Marshall | $382,000 | $201 | +145% |
| 73736 Covington | $222,000 | $117 | +42% |
| 73703 Enid | $192,000 | $124 | +23% |
| 73753 Kremlin | $183,000 | $96 | +17% |
| 73735 Drummond | $161,000 | $34 | +3% |
| 73754 Lahoma | $151,000 | $141 | -3% |
| 73773 Waukomis | $143,000 | $146 | -8% |
| 73738 Garber | $101,000 | $100 | -35% |
| 74640 Hunter | $95,000 | $50 | -39% |
| 73730 Covington | $87,000 | $46 | -44% |
| 73701 Enid | $79,000 | $84 | -49% |
Home value appreciation in Garfield County
Home prices in Garfield County have risen about 36% over the last 10 years (≈3.1% a year) and +92.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.7% — still rising. A home worth $156,000 today was worth roughly $114,370 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Oklahoma is +71.1% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Garfield County
Run the numbers for Garfield County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Garfield County
To buy the typical $156,000 home in Garfield County with 20% down, you need a household income of roughly $42,000 a year (about $990 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $50,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $7,800 | $1,230/mo | $53,000/yr |
| 10% (+PMI) | $15,600 | $1,180/mo | $50,000/yr |
| 20% | $31,200 | $990/mo | $42,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Garfield County
At about $109 per square foot, here is roughly how much home different budgets get you in Garfield County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1380 sq ft | around the typical home here |
| $200k | 1830 sq ft | around the typical home here |
| $250k | 2290 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2750 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Oklahoma.
Estimate a specific home in Garfield County
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Garfield County home prices: frequently asked
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Browse all Oklahoma cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.