Checotah, Oklahoma.
Typical home $157,039 (+9.5% in a year).
to buy the typical home at today's mortgage rate — +$423 (+105%) since Jan 2020.
- 1 year
- Up $13,626 +10%
- $143,413$157,039 since Sep 2025
- 5 years
- Up $32,800 +26%
- $124,239$157,039 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.
- Checotah$824
- 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 Checotah, OK rose 9.5% over the past year — faster than the nation's +1.2%.
Living in Checotah, McIntosh County, Oklahoma
Checotah is a city of 3,018 people in McIntosh County. Half its households earn more than $37,042 a year and half less, against $46,281 across McIntosh County; 19% of its people live below the poverty line. 58% of its homes are lived in by their owners and 42% are rented. Unemployment in McIntosh County was 5.9% in August 2026, and the county had 0.2% more jobs in 2025 than the year before. The most residents work in shops, 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 It can be wrong or out of date.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. Checotah is a small city in McIntosh County, Oklahoma, where most homes are lived in by their owners, though by fewer than across much of the country. Incomes run below the county's, and typical home values are modest. Winters are cold, with January the coldest month, and summers are hot, with July the warmest. Rain and melted snow fall through the year.
Work. Residents work mostly in shops, in schools, hospitals and social care, in restaurants, hotels and entertainment, and in transport, warehouses and utilities. Walmart, Checotah Schools and Atwoods 42 are among the largest workplaces in town. Few adults hold a four-year degree, the drive to work is short, and few people work from home. Unemployment across McIntosh County has risen a little over the past year, and the number of jobs there has barely changed.
Things to do. Lake Eufaula State Park, a protected area on the reservoir, is a short drive away, as is the Deep Fork River. A longer drive brings you to Eufaula Lake itself, and to Honor Heights Park, a botanical garden.
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- 1,266households
- 11%of adults have a degree
- 19%below the poverty line
- 18 mintypical commute
- 8%work from home
What residents work in
Employed residents by industry, from the Census survey. McIntosh County had 4,615 jobs in 2025, 0.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 50° and lows near 28°; warmest in July, with highs near 92° and lows near 71°. About 43 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Muskogee Davis Field weather station, 15 miles away (NOAA).
Largest workplaces in Checotah
- WalmartWarehouse clubs and supercenters262
- Checotah SchoolsSchool district198FTE
- Atwoods 42Retail store28
- ChecotahMail and parcel delivery21
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 311 people in all. 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
- LightningVery high
- Ice stormsVery high
- TornadoesVery high
- Heat wavesVery high
- HailRelatively high
- Strong windRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Checotah’s census tracts, against the rest of the country; all of them together, relatively high. 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 McIntosh County.
Checotah home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Checotah$157,039
- Oklahoma$220,801
- United States$366,157
Sellers are cutting prices on about 1 in 5 Checotah listings — 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.
- Checotah20.00%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Checotah22
New listings per month
Sellers arriving at the market.
- Checotah5
Zip codes with a Checotah address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Checotah — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.