Stroud Trading Company Building · Photo: Melodibit · CC BY-SA 3.0Measured against area pay, Stroud costs less to live in than 97% of U.S. towns
It ranks #5 of 131 in Oklahoma for affordability. Up 4.5% in a year, 44% below the Oklahoma typical home.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Oklahoma City, OK metro area ($72K). How TownRatings grades cost of living
The grade compares costs with what households across the Oklahoma City metro earn ($72K, Census 2020–24). The typical home costs 1.7 years of metro income, and 46% of renters pay 30% or more of income for housing.
In dollars
- $123Ktypical home, 44% below the Oklahoma typical homeZillow, September 2026
- $940a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
- 90prices across the Oklahoma City metro, where the U.S. is 100 (housing 74)BEA Regional Price Parities, 2024
In paychecks the grade
- 1.7 yrsof area income buys the typical home; the typical U.S. town: 3.3$72K, Oklahoma City-area income
- 13%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 46%of renters pay 30%+ of income for housing; across Oklahoma: 46%Census 2020–24
- 13%of owners do; the typical U.S. town: 20%Census 2020–24
What Stroud’s housing numbers say
Owning can cost less than renting
With 20% down at the calculator’s rate, the typical Stroud home runs about $710 a month with tax and insurance. A two-bedroom rents for about $940. Can I afford it? ↓
Values rose faster than Oklahoma’s over five years
The typical Stroud home is up 47% in five years, against 26% across Oklahoma. Since October 2016 it has nearly tripled, from $44K to $123K. Price trend ↓
Written from the data on this page. Home values are the Zillow Home Value Index, through September 2026; sales and supply are Redfin’s for May 2026; permits are Census figures through 2025; incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind Stroud’s grade
Measured against what households in the area earn, Stroud is more affordable than 97% of U.S. towns, #5 of 131 in Oklahoma. The share of households paying 30%+ for housing pulls the grade down most; property tax holds it up.
Values have outpaced Oklahoma: the typical Stroud home is up 47.5% in five years, against 25.9% statewide (Zillow).
Up 47.5% in five years
Faster than Oklahoma (25.9%).
Show as a table
| January | Stroud | Oklahoma |
|---|---|---|
| 2017 | $43,000 | $129,000 |
| 2018 | $50,000 | $133,000 |
| 2019 | $59,000 | $138,000 |
| 2020 | $65,000 | $146,000 |
| 2021 | $76,000 | $161,000 |
| 2022 | $86,000 | $183,000 |
| 2023 | $99,000 | $201,000 |
| 2024 | $101,000 | $207,000 |
| 2025 | $114,000 | $215,000 |
| 2026 | $118,000 | $218,000 |
| September 2026 | $123,000 | $221,000 |
A typical Stroud home worth $44K in October 2016 is worth about $123K today.
Zillow Home Value Index: the typical value of all homes (middle third), smoothed and seasonally adjusted, through September 2026.
Too few sales to read the market
Only 5 homes sold in May 2026, the latest month in Redfin’s figures: too few to describe the market or quote a median sale price.
A typical home costs 1.7 years of area income
The calculator starts from the area income the grade uses. Switch to Stroud’s own median, or type yours.
That covers a typical Stroud home, with $168K to spare.
A two-bedroom rents for about $940 a month here, $230 more than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Stroud’s typical property tax (0.63% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $940
Renters already here pay a median of $761, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Lincoln County, OK HUD Metro FMR Area): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
12 new homes permitted in 2025
Builders were permitted 12 new homes in Stroud in 2025, all single-family houses, worth about $3.6 million to build. That's 4.3 per 1,000 residents, slower than across Oklahoma (5.6). Over the past 10 years, Stroud has permitted 73 homes in all.
Between the 2010 and 2020 censuses, Stroud gained 29 residents while 41 new homes were permitted: about 0.7 new residents per new home. Building outpaced population growth, which usually means smaller households or homes used part of the year. Across Oklahoma: 1.8 new residents per new home.
Every year as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 2 | 2 | 0 | $607,000 |
| 2025 | 12 | 12 | 0 | $3.6 million |
| 2024 | 12 | 12 | 0 | $3.5 million |
| 2023 | 11 | 11 | 0 | $3.1 million |
| 2022 | 5 | 5 | 0 | $1.3 million |
| 2021 | 16 | 16 | 0 | $3.8 million |
| 2020 | 6 | 6 | 0 | $1.4 million |
| 2019 | 3 | 3 | 0 | $710,000 |
| 2018 | 6 | 6 | 0 | $1.4 million |
| 2017 | 1 | 1 | 0 | $231,000 |
| 2016 | 1 | 1 | 0 | $228,000 |
| 2015 | 5 | 5 | 0 | $1.1 million |
| 2014 | 10 | 10 | 0 | $2.1 million |
| 2013 | 2 | 2 | 0 | $451,000 |
| 2012 | 3 | 3 | 0 | $284,000 |
| 2011 | 6 | 6 | 0 | $735,000 |
| 2010 | 4 | 4 | 0 | $662,000 |
| 2009 | 3 | 3 | 0 | $368,000 |
| 2008 | 2 | 2 | 0 | $250,000 |
| 2007 | 4 | 4 | 0 | $644,000 |
| 2006 | 4 | 4 | 0 | $517,000 |
| 2005 | 4 | 4 | 0 | $574,000 |
| 2004 | 5 | 5 | 0 | $756,000 |
| 2003 | 9 | 9 | 0 | $1.3 million |
| 2002 | 10 | 10 | 0 | $1.2 million |
| 2001 | 5 | 5 | 0 | $713,000 |
| 2000 | 8 | 8 | 0 | $1 million |
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.
Property tax runs below the Oklahoma norm
The median bill is $785 (Oklahoma: $1,599), 0.63% of a home’s value a year, against 0.80% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
The rest of a budget near Stroud
Only figures published free for the whole country, each labeled with the area it covers: the Oklahoma City, OK metro area, or Oklahoma. Groceries follow the goods price level; nobody publishes them town by town.
| Cost | Here | Compared with | Area | Source |
|---|---|---|---|---|
| Prices overall U.S. = 100 | 90 | OK 88 | metro | BEA, 2024 |
| Goods (groceries, clothing, cars…) U.S. = 100 | 94 | OK 94 | metro | BEA, 2024 |
| Utilities U.S. = 100 | 74 | OK 74 | metro | BEA, 2024 |
| Other services U.S. = 100 | 95 | OK 95 | metro | BEA, 2024 |
Price levels: U.S. Bureau of Economic Analysis, Regional Price Parities 2024 (metro area and state). Electricity: U.S. Energy Information Administration, Electric Power Monthly, table 5.6.A.
Stroud and its neighbors
One source per column.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, September 2026 | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Stroud | A+ | $123K | $125K | 0.63% | $940 |
Questions about the cost of living in Stroud
Is Stroud expensive to live in?
Measured against what households in the area earn, Stroud costs less than 97% of U.S. towns: an A+ for cost of living, #5 of 131 in Oklahoma. The typical home costs 1.7 years of the median household income of the Oklahoma City, OK metro area ($72K).
How much does a house cost in Stroud?
About $123K, Zillow’s typical value for September 2026, up 4.5% in a year. The Oklahoma typical home is $221K.
What salary do you need to live in Stroud?
To buy the typical home with 20% down at 6.3%, about $30,000 a year, keeping the payment (about $710 a month with tax and insurance) at 28% of income. To rent a two-bedroom at 30% of income, about $38,000.
How much is rent in Stroud?
HUD puts a two-bedroom at about $940 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $761 (Census 2020–24).
What are property taxes in Stroud?
The median bill is $785 a year, 0.63% of the median home value (Oklahoma: $1,599, 0.80%), from the Census 2020–24.
Are home prices in Stroud going up?
Yes: up 4.5% in the past year and 47.5% in five years, against 25.9% across Oklahoma (Zillow).
Neighbors talk housing
What Stroud buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, September 2026. Sales, days on market and supply: Redfin Data Center, May 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.