Yale: Housing & Real Estate
Homes in Yale carry a median value of $82,400 (estimated market value runs 15% higher at $94,980), with median rent $788 (1.2× below Payne County median $917; 1.3× below Oklahoma median $1,014). Homeownership rate: 52.2%. That's 2.7× below the Payne County median ($223,300); 2.4× below the Oklahoma median ($199,800). Market is warm. Vacancy rate 19.7%. New construction makes up 8.7% of stock. 1 nursing facility on file. A municipal building code is in effect.
- 1.9× annual income — home value vs. household income (vs Oklahoma 3.3×).
- 8.7 years to break even renting at the median (vs Oklahoma 16y).
- 4-BR rent is 2.0× a studio — rent gradient by unit size.
- Median rent 23% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $82,400 — 0.4× the Oklahoma median ($205,300). Median rent $788/month. homeownership rate 52.2% — below the U.S. share of ~65%.
| Affordability · Price To Income Ratio | 1.9× |
|---|---|
| Affordability · Rent To Income Pct | 22.1% |
| Affordability · Affordable | Yes |
| Affordability · Interpretation | very affordable |
| Fair Market Rent · Studio rent | $784 (vs Oklahoma $933) |
| Fair Market Rent · One-bedroom rent | $847 (vs Oklahoma $987) |
| Fair Market Rent · Two-bedroom rent | $1,035 (vs Oklahoma $1,217) |
| Fair Market Rent · Three-bedroom rent | $1,439 (vs Oklahoma $1,602) |
| Fair Market Rent · Four-bedroom rent | $1,568 (vs Oklahoma $1,857) |
| Fair Market Rent · HUD FMR area | Payne County, OK |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $94,980 |
| Median Home Value | $82,400 (vs Oklahoma $205,300) |
| Median Rent | $788 (vs Oklahoma $1,052) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · 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 | warm |
|---|---|
| Housing Market · Vacancy rate | 19.7% |
| Housing Market · New construction (% of stock) | 8.7% |
| Housing Market · Price Appreciation 2Yr | -2.7% |
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).
Facilities (1)
Systems (2)
| 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 | 0.0% (vs Oklahoma 0.8%) |
| Broadband · Broadband-capable premises | 710 |
| 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 | 1.000000000 (at Oklahoma median) |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · Refreshed 2026-04-12
Other
| Homeownership Rate | 52.2% (vs Oklahoma 58.6%) |
|---|---|
| Median Year Built | 1971 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12