Stilwell, Oklahoma.
Typical home $165,734 (+7.0% in a year).
to buy the typical home at today's mortgage rate — +$526 (+153%) since Jan 2020.
- 1 year
- Up $10,867 +7%
- $154,867$165,734 since Sep 2025
- 5 years
- Up $53,491 +48%
- $112,243$165,734 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.
- Stilwell$870
- Oklahoma$1,159
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 9 years.
Typical home values in Stilwell, OK rose 7.0% over the past year — faster than the nation's +1.2%.
Living in Stilwell, Adair County, Oklahoma
Stilwell is a city of 3,700 people in Adair County. Half its households earn more than $37,292 a year and half less, against $48,041 across Adair County; 34% of its people live below the poverty line. 46% of its homes are lived in by their owners and 54% are rented. Unemployment in Adair County was 4.7% in August 2026, and the county had 2.3% fewer 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 It can be wrong or out of date.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. Stilwell is a small city and the largest community in Adair County, in the hills of eastern Oklahoma. Residents are younger than in many American towns, and fewer homes are lived in by their owners than you might expect for a place this size. Incomes run well below the county's, and more people live below the poverty line, while few adults hold a four-year degree. Winters are cold, with January the coldest month and highs staying near the cold side of mild, and summers turn hot by July.
Work. Most residents work in schools, hospitals and social care, followed by shops, the building trades and government. Among the larger workplaces in Stilwell are Schwan's Shared Services and Harps Food Store. Jobs across Adair County have dipped over the past year, and unemployment in the county is a little higher than it was a year earlier. Commutes are fairly short, and nobody in town works from home.
Things to do. Adair State Park sits in or beside town, making it the easiest place to get outdoors. A longer drive brings you to Natural Falls State Park, a protected area, and to the Illinois River, a river popular for time on the water. For local history, the Cherokee Heritage Center is a museum a longer drive away.
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- 1,499households
- 7%of adults have a degree
- 34%below the poverty line
- 22 mintypical commute
- 0%work from home
What residents work in
Employed residents by industry, from the Census survey. Adair County had 4,294 jobs in 2025, 2.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 49° and lows near 27°; warmest in July, with highs near 90° and lows near 68°.
Average daily high and low, 1991–2020, at the Stilwell Nnw weather station, 6 miles away (NOAA).
Largest workplaces in Stilwell
- Schwan's Shared ServicesPl526
- Harps Food StoreRetail grocery56
- Fortrex - 1095 Schwan's - StilwellJanitorial services28
- StilwellMail and parcel delivery22
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 632 people in all. 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
- Heat wavesVery high
- TornadoesVery high
- WildfireRelatively high
- LightningRelatively 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 Stilwell’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 Adair County.
Stilwell home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Stilwell$165,734
- Oklahoma$220,801
- United States$366,157
Sellers are cutting prices on about 1 in 5 Stilwell 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.
- Stilwell21.05%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Stilwell33
New listings per month
Sellers arriving at the market.
- Stilwell8
Zip codes with a Stilwell address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Stilwell — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.