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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

Empire City, OK Housing Affordability Index

Empire City, Oklahoma has an MBR Housing Affordability Index score of 164.3 (Highly Affordable) as of October 30, 2026, ranking 280th most affordable of 555 scored Oklahoma cities, compared with 117.4 statewide and 97.4 nationally. On a median-priced $193,200 home with 20% down, the Oklahoma average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $1,061, or 13% of the city’s $96,250 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Empire City 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.

Empire City MBR-HAI 164.3 Highly Affordable
Rank in Oklahoma 280 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 $193,200 U.S. Census Bureau

Empire City is 46.9 points above the Oklahoma score. Scores as of October 30, 2026. See the Oklahoma index

View Empire City Mortgage Rates

What It Takes to Buy in Empire City

$1,061/mo
Principal & Interest
Median home, 20% down, 7.31%
$45,500
Income Needed
To keep the payment at 28% of income
$96,250
Median Household Income
Oklahoma: $65,039
2.0x
Price-to-Income Ratio
Oklahoma: 3.1x
$786/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,667/yr
Median Property Tax
0.86% of median value
13.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
41.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Empire City Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Empire City, Oklahoma score: 164.3 (Highly Affordable), ranked 280 of 555 Oklahoma cities. monitorbankrates.com/housing-affordability-index/oklahoma/empire-city”