McLoud, Oklahoma.
Typical home $232,435 (+3.7% in a year). Shawnee, OK metro.
to buy the typical home at today's mortgage rate — +$705 (+137%) since Jan 2020.
- 1 year
- Up $8,217 +4%
- $224,218$232,435 since Sep 2025
- 5 years
- Up $55,496 +31%
- $176,939$232,435 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.
- McLoud$1,220
- Oklahoma$1,159
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in McLoud, OK rose 3.7% over the past year — faster than the nation's +1.2%.
Living in McLoud, Pottawatomie County, Oklahoma
McLoud is a city of 4,351 people in Pottawatomie County. Half its households earn more than $63,469 a year and half less, against $61,398 across Pottawatomie County; 18% of its people live below the poverty line. 67% of its homes are lived in by their owners and 33% are rented. Unemployment in Pottawatomie County was 4.8% in August 2026, and the county had 0.3% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then government.
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 It can be wrong or out of date.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. McLoud is a small city where most homes are lived in by their owners, and residents tend to be somewhat older than in much of the country. Household incomes run a little above the county's, though a fair number of residents live below the poverty line. Winters are cool and summers are hot, with January the coldest month and July the warmest.
Work. Many residents work in schools, hospitals and social care, with government, manufacturing, and professional and business services close behind. Across Pottawatomie County, the largest workplaces include ST Anthony Shawnee Hospital, Georg Fischer Central Plastics and Shawnee Schools. Commutes are fairly long, and few people work from home. Unemployment in the county is higher than a year earlier, and the county has lost a few jobs over the past year.
Things to do. Wes Watkins Reservoir is in or beside town, a place for time by the water. A short drive away is the Mabee-Gerrer Museum of Art. Farther afield, a longer drive brings you to Oklahoma City, with the Oklahoma City National Memorial museum and the Oklahoma City Zoo and Botanical Garden.
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- 1,235households
- 11%of adults have a degree
- 18%below the poverty line
- 27 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Pottawatomie County had 22,842 jobs in 2025, 0.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 50° and lows near 29°; warmest in July, with highs near 93° and lows near 72°.
Average daily high and low, 1991–2020, at the Shawnee 3NNW Mesonet weather station, 10 miles away (NOAA).
Largest workplaces in Pottawatomie County
- St Anthony Shawnee HospitalGeneral hospital734FTE
- Georg Fischer Central PlasticsPipe fittings, rigid plastics, manufacturing650
- Shawnee SchoolsSchool district519FTE
- WalmartWarehouse clubs and supercenters495
- Oklahoma Baptist UniversityUniversity or college344
- Van Eaton Ready MixReady-mix concrete manufacturing and distributing289
- Tecumseh SchoolsSchool district274FTE
- Shawnee Milling CompanyMixes, flour made in flour mills267
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 34 workplaces with 20 or more staff, 4,433 people in all across the county; McLoud has one of its own. Hospitals come 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
- TornadoesVery high
- Ice stormsVery high
- HailRelatively high
- Heat wavesRelatively high
- Winter weatherRelatively high
- Cold wavesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in McLoud’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 Pottawatomie County and the Shawnee, OK metro.
McLoud home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- McLoud$232,435
- Oklahoma$220,801
- United States$366,157
Sellers are cutting prices on about 1 in 5 McLoud 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.
- McLoud21.50%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- McLoud40
New listings per month
Sellers arriving at the market.
- McLoud10
Zip codes with a McLoud address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls McLoud — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.