MonitorBankRates
☰
New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Cleo Springs, OK Housing Affordability Index

Cleo Springs, Oklahoma has an MBR Housing Affordability Index score of 189.9 (Highly Affordable) as of October 30, 2026, ranking 175th most affordable of 555 scored Oklahoma cities, compared with 117.4 statewide and 97.4 nationally. On a median-priced $84,700 home with 20% down, the Oklahoma average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $465, or 12% of the city’s $46,316 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Cleo Springs is updated every night from live Oklahoma mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Cleo Springs MBR-HAI 189.9 Highly Affordable
Rank in Oklahoma 175 of 555 1 = most affordable
Oklahoma 117.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.31% Oklahoma lenders
Median home value $84,700 U.S. Census Bureau

Cleo Springs is 72.5 points above the Oklahoma score. Scores as of October 30, 2026. See the Oklahoma index

View Cleo Springs Mortgage Rates

What It Takes to Buy in Cleo Springs

$465/mo
Principal & Interest
Median home, 20% down, 7.31%
$19,900
Income Needed
To keep the payment at 28% of income
$46,316
Median Household Income
Oklahoma: $65,039
1.8x
Price-to-Income Ratio
Oklahoma: 3.1x
$506/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$582/yr
Median Property Tax
0.69% of median value
35.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
42.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Cleo Springs, Oklahoma. The rate is the Oklahoma average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Cleo Springs Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Cleo Springs, Oklahoma score: 189.9 (Highly Affordable), ranked 175 of 555 Oklahoma cities. monitorbankrates.com/housing-affordability-index/oklahoma/cleo-springs”