Stratford, Oklahoma.
Typical home $186,818 (+4.5% in a year). Ada, OK metro.
to buy the typical home at today's mortgage rate — +$573 (+141%) since Jan 2020.
- 1 year
- Up $8,025 +4%
- $178,794$186,818 since Sep 2025
- 5 years
- Up $41,606 +29%
- $145,212$186,818 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.
- Stratford$981
- Oklahoma$1,159
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 14 years.
Typical home values in Stratford, OK rose 4.5% over the past year — faster than the nation's +1.2%.
Living in Stratford, Garvin County, Oklahoma
Stratford is a town of 1,405 people in Garvin County. Half its households earn more than $41,302 a year and half less, against $58,556 across Garvin County; 26% of its people live below the poverty line. 54% of its homes are lived in by their owners and 46% are rented. Unemployment in Garvin County was 4.3% in August 2026, and the county had 3.2% 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 It can be wrong or out of date.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. Stratford is a small Garvin County town where homes are mostly lived in by their owners, though renters make up a real part of the community too. Incomes run well below the county's as a whole, and a good many residents live below the poverty line. Few adults hold a four-year degree, and typical home values are modest. Winters are mild and cool, with January the coldest month, and summers turn hot, with August the warmest. Rain and melted snow fall through the year at a moderate amount.
Work. Residents work mainly in schools, hospitals and social care, along with manufacturing, shops and professional and business services. Across Garvin County, the largest workplaces include the Wynnewood refinery run by CVR Common Services, Walmart, and the Pauls Valley school district. Jobs across the county have slipped from the year before, and unemployment there is a little higher than a year ago. The typical commute is fairly long, and few people work from home.
Things to do. Outdoor places lie within a longer drive. Turner Falls is a waterfall and one of the best known spots nearby, and Chickasaw National Recreation Area is a protected area. Lake of the Arbuckles is a reservoir for time on the water. Each of these is a longer drive away.
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- 537households
- 11%of adults have a degree
- 26%below the poverty line
- 28 mintypical commute
- 5%work from home
What residents work in
Employed residents by industry, from the Census survey. Garvin County had 9,434 jobs in 2025, 3.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 51° and lows near 30°; warmest in August, with highs near 93° and lows near 71°. About 41 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Byars 3ESE Mesonet weather station, 4 miles away (NOAA).
Largest workplaces in Garvin County
- WalmartRefrigerated warehousing and storage800
- CVR Common Services, LLC Wynnewood RefineryPetroleum refineries319
- Coffeyville Resources Crude TransTrucking, specialized freight, local272
- WalmartWarehouse clubs and supercenters221
- Pauls Valley SchoolsSchool district212FTE
- Lindsay SchoolsSchool district149FTE
- Pauls Valley TerminalTransportation motor freight transportation trucking except air134
- Lindsay Municipal Hospital AuthorityGeneral hospital129FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 13 workplaces with 20 or more staff, 2,163 people in all across the county; Stratford has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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 stormsRelatively high
- WildfireRelatively high
- Strong windRelatively high
- HailRelatively high
- Heat wavesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Stratford’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 Garvin County and the Ada, OK metro.
Stratford home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Stratford$186,818
- Oklahoma$220,801
- United States$366,157
Sellers are cutting prices on about 1 in 9 Stratford 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.
Not enough data to draw this yet.
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Stratford19
New listings per month
Sellers arriving at the market.
- Stratford5
Zip codes with a Stratford address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Stratford — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.