Muskogee, Oklahoma.
Typical home $139,272 (+3.8% in a year), asking rent $1,031 (+9.5%). Muskogee, OK metro.
to buy the typical home at today's mortgage rate — +$410 (+128%) since Jan 2020.
- 1 year
- Up $5,143 +4%
- $134,128$139,272 since Sep 2025
- 5 years
- Up $27,583 +25%
- $111,688$139,272 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.
- Muskogee$731
- Oklahoma$1,159
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Muskogee, OK rose 3.8% over the past year — faster than the nation's +1.2%.
Asking rents in Muskogee, OK rose 9.5% over the past year — faster than the nation's +2.7%.
Owning the typical home in Muskogee runs $74/mo less than renting one. The gap peaked at $170 in Apr 2026.
That is $957 a month against $1,031 rent: a $731 mortgage payment, plus $77 property tax and $149 insurance & upkeep.
Owning vs renting — Muskogee
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$957
- Renting$1,031
- Mortgage only$731
Property tax · $77/mo 0.67% of value a year — the ACS 2020-2024 median bill over the median home value for Muskogee County, OK
Insurance & upkeep · $149/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 Muskogee, Muskogee County, Oklahoma
Muskogee is a city of 36,878 people in Muskogee County. Half its households earn more than $50,213 a year and half less, against $53,619 across Muskogee County; 24% of its people live below the poverty line. 55% of its homes are lived in by their owners and 45% are rented. Unemployment in Muskogee was 5.4% in August 2026, and Muskogee County had 1.1% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
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. Muskogee is a small city in eastern Oklahoma, with a population younger than the typical American community. Household incomes are below the county's, and a smaller share of adults hold a four-year degree than in many places. Most homes are lived in by their owners, though renting is common too, and a typical home costs well under what many American towns ask. Winters are cold but short on snow, summers are hot, and rain falls steadily through the year.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, shops and government close behind. Among the largest workplaces in Muskogee are the Veterans Health Administration, the Veterans Benefits Administration and Saint Francis Hospital Muskogee. Unemployment has edged up over the past year, and the county has lost a small share of its jobs. Most people have a short drive to work, and few work from home.
Things to do. Honor Heights Park, a botanical garden, is a short drive away, and the Three Rivers Museum is in or beside town. The Five Civilized Tribes Museum is also a short drive off, as is Fort Gibson, an old fort. For time near the water, the Neosho River and the Verdigris River are both a short drive from town.
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- 14,821households
- 19%of adults have a degree
- 24%below the poverty line
- 19 mintypical commute
- 8%work from home
What residents work in
Employed residents by industry, from the Census survey. Muskogee County had 26,448 jobs in 2025, 1.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 49° and lows near 26°; warmest in July, with highs near 93° and lows near 72°. About 3 inches of snow and 43 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Muskogee weather station, 3 miles away (NOAA).
Largest workplaces in Muskogee
- Veterans Health AdministrationFederal government · Department of Veterans Affairs1,216
- Veterans Benefits AdministrationFederal government · Department of Veterans Affairs1,094
- Saint Francis Hospital MuskogeeGeneral hospital759FTE
- Muskogee SchoolsSchool district605FTE
- WalmartWarehouse clubs and supercenters436
- Cornerstone Specialty MuskogeeLong-term care hospital192FTE
- Indian Capital Technology Center-MuskogeeTwo-year college176
- Love Bottling CompanyBeverage bases merchant wholesalers133
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 24 workplaces with 20 or more staff, 1,975 people in all. Federal offices come from OPM's federal workforce data (2026), hospitals from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (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
- HailRelatively high
- Heat wavesRelatively high
- TornadoesRelatively high
- Winter weatherRelatively 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 Muskogee’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 Muskogee County and the Muskogee, OK metro.
Muskogee home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Muskogee$139,272
- Oklahoma$220,801
- United States$366,157
Sellers are cutting prices on about 1 in 4 Muskogee listings, and the typical home goes pending in 35 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.
- Muskogee25.77%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Muskogee35
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Muskogee242
New listings per month
Sellers arriving at the market.
- Muskogee62
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Muskogee$174,992
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Muskogee96.49%
Zip codes with a Muskogee address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Muskogee — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Muskogee
| 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 |
|---|---|---|---|---|
| 74403 | Muskogee | 29,217 | $1,087 | $153,602 |
| 74401 | Muskogee | 15,951 | $912 | $117,854 |