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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

Lone Chimney, OK Housing Affordability Index

Lone Chimney, Oklahoma has an MBR Housing Affordability Index score of 70.8 (Moderately Less Affordable) as of October 30, 2026, ranking 555th most affordable of 555 scored Oklahoma cities, compared with 117.4 statewide and 97.4 nationally. On a median-priced $215,000 home with 20% down, the Oklahoma average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $1,181, or 52% of the city’s $27,500 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Lone Chimney 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.

Lone Chimney MBR-HAI 70.8 Moderately Less Affordable
Rank in Oklahoma 555 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 $215,000 U.S. Census Bureau

Lone Chimney is 46.6 points below the Oklahoma score. Scores as of October 30, 2026. See the Oklahoma index

View Lone Chimney Mortgage Rates

What It Takes to Buy in Lone Chimney

$1,181/mo
Principal & Interest
Median home, 20% down, 7.31%
$50,600
Income Needed
To keep the payment at 28% of income
$27,500
Median Household Income
Oklahoma: $65,039
7.8x
Price-to-Income Ratio
Oklahoma: 3.1x
$875/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,650/yr
Median Property Tax
Oklahoma figure
100.0%
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 Lone Chimney, Oklahoma. The rate is the Oklahoma average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Lone Chimney Ranks in Oklahoma

Cities with similar scores
#552Mounds89.8 #553Peoria88.1 #554Stillwater76.7
#555Lone Chimney70.8
Least affordable in Oklahoma
#551Perkins90.6 #552Mounds89.8 #553Peoria88.1 #554Stillwater76.7
#555Lone Chimney70.8
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Cite the Lone Chimney Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Lone Chimney, Oklahoma score: 70.8 (Moderately Less Affordable), ranked 555 of 555 Oklahoma cities. monitorbankrates.com/housing-affordability-index/oklahoma/lone-chimney”