Is Garfield County, OK good for real estate investing?

Garfield County has an investment score of 80/100, rated as "Strong Buy". The county ranks #5 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Garfield?

The rent-to-price ratio in Garfield County is 9.40% annually, which ranks in the 98th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Garfield?

The median home price in Garfield County is $137,406. This ranks #52 in affordability among all US counties.

Can you cash flow on rental properties in Garfield?

Based on median values with 20% down at current rates, a typical rental in Garfield County would generate negative cash flow of $21/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Garfield County

OklahomaPopulation: 62,456

/100

Strong Buy

#5 of 1,000 counties

#1 in Oklahoma (77 counties)

Market Snapshot

$137,406

Median Home Price

50% below national median

$1,076/mo

Median Rent

28% below national median

9.40%

Rent-to-Price Ratio

Top 2% nationally

-$21

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$137,406

Down Payment (20%)$27,481

Loan Amount$109,925

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,076

Monthly P&I-$720

Est. Expenses (35%)-$377

Net Cash Flow-$21/mo

6.1%

Cap Rate (all cash)

-0.8%

Cash-on-Cash Return

9.40%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 6.1% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

80/100

Cash Flow(30%)

94/100

Based on 9.40% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

81/100

Based on 3.2% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

98/100

Price-to-income ratio of 2.1x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Above-average rent-to-price ratio (9.40%)
+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative leverage (cap rate 6.1% < mortgage rate 6.9%)

Economic Indicators

Population

62,456

Median Income

$64,165

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

2.1x

Very affordable

Compare to Nearby Counties

County					Verdict
CurrentGarfieldOK	80	$137,406	$1,076	9.40%	Strong Buy
NobleOK	79	$150,124	Est. pending	—	Strong Buy	View
OkfuskeeOK	78	$136,853	Est. pending	—	Strong Buy	View
KayOK	77	$110,372	$786	8.55%	Strong Buy	View
WoodwardOK	77	$133,590	Est. pending	—	Strong Buy	View
ComancheOK	76	$150,944	$1,052	8.37%	Strong Buy	View

The Bottom Line

Strong BuyGarfield is a strong buy market with excellent fundamentals for buy-and-hold investors.

Garfield County in Oklahoma scores 80/100, ranking #5 of 1,000 US counties (top 0%). The 9.40% rent-to-price ratio exceeds the 1% rule target, suggesting strong cash flow potential.

Monthly Cash Flow

$-21/mo

Cap Rate

6.1%

Cash-on-Cash

-0.8%

Ready to Analyze a Deal in Garfield?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$137,406

Down Payment (20%)$27,481

Loan Amount$109,925

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,076

Monthly P&I-$720

Est. Expenses (35%)-$377

Net Cash Flow-$21/mo

6.1%

Cap Rate (all cash)

-0.8%

Cash-on-Cash Return

9.40%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 6.1% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

80/100

Cash Flow(30%)

94/100

Based on 9.40% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

81/100

Based on 3.2% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

98/100

Price-to-income ratio of 2.1x. Lower ratios indicate more affordable markets.

Compare to Nearby Counties

County					Verdict
CurrentGarfieldOK	80	$137,406	$1,076	9.40%	Strong Buy
NobleOK	79	$150,124	Est. pending	—	Strong Buy	View
OkfuskeeOK	78	$136,853	Est. pending	—	Strong Buy	View
KayOK	77	$110,372	$786	8.55%	Strong Buy	View
WoodwardOK	77	$133,590	Est. pending	—	Strong Buy	View
ComancheOK	76	$150,944	$1,052	8.37%	Strong Buy	View

The Bottom Line

Strong BuyGarfield is a strong buy market with excellent fundamentals for buy-and-hold investors.

Garfield County in Oklahoma scores 80/100, ranking #5 of 1,000 US counties (top 0%). The 9.40% rent-to-price ratio exceeds the 1% rule target, suggesting strong cash flow potential.

Monthly Cash Flow

$-21/mo

Cap Rate

6.1%

Cash-on-Cash

-0.8%