Is Stephens County, OK good for real estate investing?

Stephens County has an investment score of 65/100, rated as "Buy". The county ranks #311 nationally among 1000 counties analyzed.

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

The rent-to-price ratio in Stephens County is 7.72% annually, which ranks in the 89th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Stephens?

The median home price in Stephens County is $137,837. This ranks #53 in affordability among all US counties.

Can you cash flow on rental properties in Stephens?

Based on median values with 20% down at current rates, a typical rental in Stephens County would generate negative cash flow of $146/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Stephens County

OklahomaPopulation: 43,140

/100

Buy

#311 of 1,000 counties

#33 in Oklahoma (77 counties)

Market Snapshot

$137,837

Median Home Price

50% below national median

$886/mo

Median Rent

41% below national median

7.72%

Rent-to-Price Ratio

Top 11% nationally

-$146

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$137,837

Down Payment (20%)$27,567

Loan Amount$110,270

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$886

Monthly P&I-$723

Est. Expenses (35%)-$310

Net Cash Flow-$146/mo

5.0%

Cap Rate (all cash)

-5.5%

Cash-on-Cash Return

7.72%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.0% 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

65/100

Cash Flow(30%)

77/100

Based on 7.72% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

42/100

Based on -1.7% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

94/100

Price-to-income ratio of 2.4x. 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 (7.72%)
+Affordable relative to local incomes
+Complete rent data available

Challenges

-Declining home values (-1.7% YoY)
-Negative leverage (cap rate 5.0% < mortgage rate 6.9%)

Economic Indicators

Population

43,140

Median Income

$57,065

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

2.4x

Very affordable

Compare to Nearby Counties

County					Verdict
TulsaOK	66	$244,543	$1,379	6.77%	Buy	View
CanadianOK	66	$267,590	$1,537	6.89%	Buy	View
PayneOK	66	$232,536	$1,431	7.38%	Buy	View
CurrentStephensOK	65	$137,837	$886	7.72%	Buy
MuskogeeOK	65	$150,587	$1,075	8.57%	Buy	View
AtokaOK	65	$206,474	Est. pending	—	Buy	View

The Bottom Line

BuyStephens offers solid investment potential with good cash flow or appreciation prospects.

Stephens County in Oklahoma scores 65/100, ranking #311 of 1,000 US counties (top 31%). The 7.72% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-146/mo

Cap Rate

5.0%

Cash-on-Cash

-5.5%

Ready to Analyze a Deal in Stephens?

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$137,837

Down Payment (20%)$27,567

Loan Amount$110,270

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$886

Monthly P&I-$723

Est. Expenses (35%)-$310

Net Cash Flow-$146/mo

5.0%

Cap Rate (all cash)

-5.5%

Cash-on-Cash Return

7.72%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.0% 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

65/100

Cash Flow(30%)

77/100

Based on 7.72% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

42/100

Based on -1.7% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

94/100

Price-to-income ratio of 2.4x. Lower ratios indicate more affordable markets.

County

Verdict

TulsaOK

$244,543

$1,379

6.77%

Buy

View

CanadianOK

$267,590

$1,537

6.89%

Buy

View

PayneOK

$232,536

$1,431

7.38%

Buy

View

CurrentStephensOK

$137,837

$886

7.72%

Buy

MuskogeeOK

$150,587

$1,075

8.57%

Buy

View

AtokaOK

$206,474

Est. pending

—

Buy

View

The Bottom Line

BuyStephens offers solid investment potential with good cash flow or appreciation prospects.

Stephens County in Oklahoma scores 65/100, ranking #311 of 1,000 US counties (top 31%). The 7.72% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-146/mo

Cap Rate

5.0%

Cash-on-Cash

-5.5%