Ada, Oklahoma.
Typical home $186,080 (+6.3% in a year), asking rent $1,030 (+0.2%). Ada, OK metro.
to buy the typical home at today's mortgage rate — +$523 (+115%) since Jan 2020.
- 1 year
- Up $11,077 +6%
- $175,002$186,080 since Sep 2025
- 5 years
- Up $38,169 +26%
- $147,911$186,080 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Ada$977
- Oklahoma$1,159
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Ada, OK rose 6.3% over the past year — faster than the nation's +1.2%.
Asking rents in Ada, OK rose 0.2% over the past year — slower than the nation's +2.7%.
Owning the typical home in Ada runs $246/mo more than renting one. The gap peaked at $311 in Oct 2023.
That is $1,276 a month against $1,030 rent: a $977 mortgage payment, plus $100 property tax and $199 insurance & upkeep.
Owning vs renting — Ada
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,276
- Renting$1,030
- Mortgage only$977
Property tax · $100/mo 0.65% of value a year — the ACS 2020-2024 median bill over the median home value for Pontotoc County, OK
Insurance & upkeep · $199/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Ada, Pontotoc County, Oklahoma
Ada is a city of 16,481 people in Pontotoc County. Half its households earn more than $53,507 a year and half less, against $63,017 across Pontotoc County; 16% of its people live below the poverty line. 45% of its homes are lived in by their owners and 55% are rented. Unemployment in Pontotoc County was 3.7% in August 2026, and the county had 1.1% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Ada is a small city and the largest town in Pontotoc County. Its residents are younger than in much of the country, and incomes run below the county's overall. Fewer homes are lived in by their owners than renters' homes, and a four-year degree is held by a smaller group of adults than not. Winters are cool and snow is rare, while summers get hot, with plenty of rain through the year.
Work. Many residents work in schools, hospitals and social care, in shops, and in government. Among the largest workplaces in Ada are Mercy Hospital ADA, East Central University and ADA Schools. Commutes are short, and very few people work from home.
Things to do. In or beside town, the McSwain Theatre is the best known place for a night out. A longer drive away are the Chickasaw National Recreation Area, a protected area of outdoor space, and the Little River. These are the places most often mentioned for time outdoors.
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- 6,784households
- 31%of adults have a degree
- 16%below the poverty line
- 14 mintypical commute
- 4%work from home
What residents work in
Employed residents by industry, from the Census survey. Pontotoc County had 20,613 jobs in 2025, 1.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 52° and lows near 27°; warmest in July, with highs near 94° and lows near 72°. About 4 inches of snow and 41 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Ada weather station, 2 miles away (NOAA).
Largest workplaces in Ada
- Mercy Hospital ADAGeneral hospital458FTE
- East Central UniversityUniversity or college405
- ADA SchoolsSchool district396FTE
- Rolling Hills HospitalPsychiatric hospital147FTE
- Harps Food StoresRetail grocery102
- ADAMail and parcel delivery47
- CintasIndustrial launderers45
- Mercy EMS Ada WestAmbulance services44
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 11 workplaces with 20 or more staff, 1,144 people in all. Hospitals come from their Medicare cost reports (CMS, 2023), colleges from IPEDS (NCES, 2023–24) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Ice stormsVery high
- TornadoesVery high
- LightningVery high
- HailRelatively high
- Strong windRelatively high
- Winter weatherRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Ada’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Pontotoc County and the Ada, OK metro.
Ada home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Ada$186,080
- Oklahoma$220,801
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 5 Ada listings, and the typical home goes pending in 38 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Ada20.83%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Ada38
- United States24
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Ada139
New listings per month
Sellers arriving at the market.
- Ada33
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Ada$178,209
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Ada96.94%
Zip codes with a Ada address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ada — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Ada
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 74820 | Ada | 31,943 | $1,027 | $189,557 |
| 74865 | Roff | 1,894 | — | $207,614 |