Terral, Oklahoma.
Typical home $66,022 (-22.2% in a year).
to buy the typical home at today's mortgage rate — +$121 (+54%) since Jan 2020.
- 1 year
- Down $18,856 -22%
- $84,878$66,022 since Sep 2025
- 5 years
- Down $7,638 -10%
- $73,660$66,022 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.
- Terral$347
- Oklahoma$1,159
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Terral, OK fell 22.2% over the past year — slower than the nation's +1.2%.
Living in Terral, Jefferson County, Oklahoma
Terral is a town of 280 people in Jefferson County. Half its households earn more than $34,750 a year and half less, against $48,668 across Jefferson County; 26% of its people live below the poverty line. Unemployment in Jefferson County was 4.9% in August 2026, and the county had 9.6% fewer jobs in 2025 than the year before. The most people in Jefferson County work in schools and health care, then farming.
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 It can be wrong or out of date.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. Terral is a very small town in Jefferson County, Oklahoma, close to the Texas line. Household incomes here run well below the county's, and a larger share of residents live in poverty than is typical. Homes are inexpensive, and few adults hold a four-year degree.
Work. Many residents work in schools, hospitals and social care, with others in farming, forestry and mining, manufacturing and shops. Across Jefferson County, the largest workplaces include Waurika Schools, Jefferson County Hospital and Ringling Schools. Unemployment is no different from a year earlier, though the county has fewer jobs than it did the year before, and very few people work from home.
Things to do. The Little Wichita River runs in or beside town. A longer drive brings you to Waurika Lake, a reservoir, and to Lake Nocona, another reservoir. Winters are cool and summers hot, with a fair amount of rain and melted snow through the year.
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- 109households
- 9%of adults have a degree
- 26%below the poverty line
- 4%work from home
What people in Jefferson County work in
Employed residents by industry, from the Census survey. Jefferson County had 871 jobs in 2025, 9.6% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 54° and lows near 30°; warmest in August, with highs near 96° and lows near 72°. About 35 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Bonita 7NW weather station, 13 miles away (NOAA).
Largest workplaces in Jefferson County
- Waurika SchoolsSchool district65FTE
- Jefferson County HospitalCritical access hospital54FTE
- Ringling SchoolsSchool district51FTE
- Ryan SchoolsSchool district50FTE
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
- Strong windVery high
- DroughtRelatively high
- TornadoesRelatively high
- WildfireRelatively moderate
- Ice stormsRelatively moderate
- HailRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Terral’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 Jefferson County.
Terral home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Terral$66,022
- Oklahoma$220,801
- United States$366,157
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.
Zip codes with a Terral address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Terral — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.