White Oak: Housing & Real Estate
The median White Oak home is valued at $492,900, with median rent $688 (1.2× below Craig County median $810; 1.5× below Oklahoma median $1,014). Homeownership rate: 93.5%. That's 3.3× higher than the Craig County median ($150,500); 2.5× higher than the Oklahoma median ($199,800). Market is stable. Vacancy rate 8.1%. A municipal building code is in effect.
- 9.5× annual income — home value vs. household income (vs Oklahoma 3.3×).
- 59.7 years to break even renting at the median (vs Oklahoma 16y).
- 4-BR rent is 1.8× a studio — rent gradient by unit size.
- Median rent 30% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $492,900 — 2.4× the Oklahoma median ($205,300). Median rent $688/month. homeownership rate 93.5% — above the U.S. share of ~65%.
| Affordability · Price To Income Ratio | 9.5× |
|---|---|
| Affordability · Rent To Income Pct | 16.0% |
| Affordability · Interpretation | very expensive |
| Fair Market Rent · Studio rent | $745 (vs Oklahoma $933) |
| Fair Market Rent · One-bedroom rent | $755 (vs Oklahoma $987) |
| Fair Market Rent · Two-bedroom rent | $991 (vs Oklahoma $1,217) |
| Fair Market Rent · Three-bedroom rent | $1,209 (vs Oklahoma $1,602) |
| Fair Market Rent · Four-bedroom rent | $1,312 (vs Oklahoma $1,857) |
| Fair Market Rent · HUD FMR area | Craig County, OK |
| Fair Market Rent · Fiscal year | FY2026 |
| Median Home Value | $492,900 (vs Oklahoma $205,300) |
| Median Rent | $688 (vs Oklahoma $1,052) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | stable |
|---|---|
| Housing Market · Vacancy rate | 8.1% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (5)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% (at Oklahoma median) |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% (at Oklahoma median) |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% (at Oklahoma median) |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 74.8% (vs Oklahoma 78.9%) |
| Broadband · Broadband-capable premises | 131 |
| Electricity · Electricity rate (¢/kWh) | 12.24¢/kWh |
| Electricity · Customers | 1878818 |
| Electricity · Revenue Millions | $2,977 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0.000000000 |
| Mobile Broadband · 4G mobile coverage | 1.000000000 (at Oklahoma median) |
| Mobile Broadband · 5G mobile coverage | 0.941176471 (vs Oklahoma 99.9%) |
| Mobile Home Parks Detail · County total | 1 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 93.5% (vs Oklahoma 58.6%) |
|---|---|
| Median Year Built | 1982 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12