Bray, Oklahoma.
Typical home $216,461 (+5.2% in a year). Duncan, OK metro.
to buy the typical home at today's mortgage rate — +$659 (+138%) since Jan 2020.
- 1 year
- Up $10,732 +5%
- $205,730$216,461 since Sep 2025
- 5 years
- Up $54,799 +34%
- $161,662$216,461 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.
- Bray$1,136
- Oklahoma$1,159
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Bray, OK rose 5.2% over the past year — faster than the nation's +1.2%.
Living in Bray, Stephens County, Oklahoma
Bray is a town of 952 people in Stephens County. Half its households earn more than $73,897 a year and half less, against $61,620 across Stephens County; 12% of its people live below the poverty line. 86% of its homes are lived in by their owners and 14% are rented. Unemployment in Stephens County was 4.5% in August 2026, and the county had 2.2% fewer jobs in 2025 than the year before. The most residents work in farming, then schools and health care.
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 It can be wrong or out of date.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. Bray is a small town in Stephens County, Oklahoma, where most homes are lived in by their owners and the population skews older than much of the country. Household incomes run above the county's, and a four-year degree is held by only a small share of adults. Many residents work in farming, forestry and mining, in schools, hospitals and social care, or in manufacturing.
Work. Across Stephens County, some of the largest workplaces are Duncan Regional Hospital, Duncan Schools and Walmart. The county has seen slightly fewer jobs than the year before, and unemployment there is somewhat higher than a year ago. Commutes are fairly short, and few people work from home.
Things to do. Clear Creek Lake, a reservoir in or beside town, is the nearest place to get out on the water. Fuqua Lake and Lake Humphreys are both reservoirs a short drive away, and Waurika Lake, also a reservoir, is a longer drive. Winters are cool and summers get very hot, so lake outings suit the milder seasons best.
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- 425households
- 11%of adults have a degree
- 12%below the poverty line
- 24 mintypical commute
- 5%work from home
What residents work in
Employed residents by industry, from the Census survey. Stephens County had 14,725 jobs in 2025, 2.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 52° and lows near 30°; warmest in August, with highs near 95° and lows near 71°.
Average daily high and low, 1991–2020, at the Velma 7NW Mesonet weather station, 6 miles away (NOAA).
Largest workplaces in Stephens County
- Duncan Regional HospitalGeneral medical and surgical hospitals912
- Elara CaringHome health care agencies635
- Duncan SchoolsSchool district468FTE
- WalmartWarehouse clubs and supercenters407
- Family Dollar, LLC DC204General warehousing and storage343
- HalliburtonTesting laboratories316
- Marlow SchoolsSchool district176FTE
- wilkins health and rehabilitation communityNursing homes159
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 25 workplaces with 20 or more staff, 3,612 people in all across the county; Bray has one of its own. School districts come 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
- TornadoesVery high
- HailRelatively high
- Ice stormsRelatively high
- Strong windRelatively high
- DroughtRelatively moderate
- WildfireRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Bray’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 Stephens County and the Duncan, OK metro.
Bray home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Bray$216,461
- Oklahoma$220,801
- United States$366,157
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.
Zip codes with a Bray address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bray — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.