The story of this market
The typical home in Garfield County, Oklahoma sells for about $162,333, or $115 per square foot.
Prices are up +3.8% from a year ago, so sellers still have some momentum. Homes take about 67 days to sell, which is slow. Over the long run, values in this county have grown 73% since 2000. Last year 6 of 13 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 $997 a month.
HUD sets the fair market rent for a 2-bedroom at $997 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Price climate
Every year of price change, 2000–2025
0%
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: 2006 (+8.2%). Worst: 2000 (-1.6%). 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
$1,305
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
0%
2025 change
FHFA repeat-sales index, median of 13 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
80
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $43,085,156.
Mortgage activity
Home lending in this county
80.1%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 1852 | 1049 | 80.1% | 7.4% | $110,000 |
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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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.
Garfield County, Oklahoma
The Garfield County housing market shows signs of stability with modest year-over-year price growth and consistent inventory levels. While sales volume has fluctuated, the market remains affordable compared to national benchmarks, supported by a steady local economy.
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 · 3 cities · 9 ZIP reports
Median prices moved up 0.1% year over year.
Homes spend a median of 85 days on market with 0.0 months of supply — a slower-moving market.
0% of listings have cut prices · homes sell at 0.09% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.8% · poverty 12.6% — 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 8 researched ZIP reports of 9 — 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.
Garfield County, Oklahoma — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 2.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
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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| 73701 | Enid | $155,000 | $105 | +0.6% | 68 | 97.5% | 12% | 4.2 | 92 | $950 | researched Sep 28 |
| 73703 | Enid | $209,894 | $121 | +2.4% | 86 | — | — | — | 171 | $997 | researched Sep 28 |
| 73705 | Enid | — | — | — | — | — | — | — | — | — | researched Sep 28 |
| 73730 | Covington | $91,304 | $166 | +20% | 47 | — | — | — | 63 | $936 | researched Sep 28 |
| 73737 | Fairview | $146,700 | $84 | -26.3% | 81 | — | — | — | 5 | $997 | researched Sep 28 |
| 73738 | Garber | $165,000 | $112 | +3.2% | 84 | 96.5% | 8.3% | 6 | 12 | $950 | researched Sep 28 |
| 73747 | Isabella | $135,000 | $98 | +2.4% | 84 | 96.5% | 15% | 6 | 12 | $850 | researched Sep 28 |
| 73754 | Lahoma | $115,000 | $82 | +4.5% | 94 | 96.2% | 16.7% | 6 | 12 | $850 | researched Sep 28 |
| 73761 | Nash | — | — | — | — | — | — | — | — | — | 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.
The local economy is anchored by agriculture, energy, and manufacturing sectors, with Enid serving as the primary economic hub for the county.
Property taxes are assessed at the county level based on fair market value, with exemptions available for homesteads and veterans; specific millage rates vary by school district and municipal jurisdiction.
The rental market is characterized by moderate demand with a median asking rent of $1,500, reflecting a mix of single-family and multi-family inventory.
The economy is driven by the energy sector, agriculture, and regional healthcare services, with Enid acting as the primary commercial center.
Transportation is primarily highway-based, with major routes including US-81 and US-412 providing connectivity to the broader Oklahoma region.
The Garfield County Assessor's office manages property valuations based on annual market analysis and state-mandated assessment standards.
Parcels are subject to various school district, municipal, and county-level levies, with some areas potentially impacted by rural water or fire protection districts.
Property insurance premiums are influenced by regional exposure to severe weather events, including wind and hail, which are common in the Oklahoma plains.
- Stride Bank Center4.33 mi
- Oakwood Bowl4.34.8 mi
- Leonardo's Children's Museum & Adventure Quest4.72.6 mi
- Meadowlake Park4.44.4 mi
- Crosslin Park4.31.4 mi
- Oakwood Bowl4.34.8 mi
- Enid Axe Throwing4.82.8 mi
- Leonardo's Children's Museum & Adventure Quest4.72.6 mi
- Salt Plains Crystals4.829.3 mi
- Enid Railroad Museum4.82.3 mi
- Cherokee Strip Regional Heritage Center4.73.1 mi
- Meadowlake Park4.44.4 mi
- Crosslin Park4.31.4 mi
- Government Springs Park North4.33.1 mi
- Hoover Park and Splash Pad4.23.8 mi
- Champlin Park4.53.3 mi
- Pheasant Run Golf & Grill4.34.6 mi
- Ross Dress for Less4.13.8 mi
- T.J. Maxx4.24.2 mi
- Oakwood Mall2.84.6 mi
- DG Market41.7 mi
- Dollar General3.94.1 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
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 popular interactive educational center located in Enid.
A historic park in Enid featuring walking trails and ponds.
Data retrieved from Census Reporter profiles for Garfield County, OK.
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
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
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
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.