Market Overview
Home Prices in Coalgate, OK
The median home value in Coalgate, OK is $91,073 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 6% compared to a year ago and up 17.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Coalgate are priced78% below average.
Over the past five years, Coalgate home values have risen by approximately36.7%, reflecting strong long-term appreciation in this market.
Price History
Coalgate Home Price Trend
2020
$55,040
$55K
—
2021
$66,612
$67K
+21.0%
2022
$78,348
$78K
+17.6%
2023
$78,855
$79K
+0.6%
2024
$82,487
$82K
+4.6%
2025
$96,920
$97K
+17.5%
2026
$91,073
$91K
-6.0%
City Comparison
Coalgate vs. National Median
🏠 Coalgate
$91,073
National Median
$410,000
At $91,073, homes in Coalgate cost 78% below the national median of $410,000. This makes Coalgate a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Coalgate?
20% Down Payment
$18,215
on $91,073
Monthly P&I
$475/mo
30-yr @ 6.8%
Total Monthly Est.
~$603/mo
incl. taxes & insurance
Income Needed
$24,120
gross annual (30% rule)
10% Down Option
$9,107
+ PMI applies
Loan Amount (20% dn)
$72,858
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Coalgate, OK?
The median home value in Coalgate is $91,073 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 6% year-over-year.
How much have home prices changed in Coalgate?
Over the past year, home values in Coalgate have decreased by 6%. Over five years, prices have risen approximately 36.7%.
How much do I need to earn to buy a home in Coalgate?
To comfortably afford the median home price of $91,073 with a 20% down payment ($18,215) at today's rates (6.8%), you'd need a gross annual income of approximately $24,120. This assumes keeping total housing costs at or below 30% of gross income.
How does Coalgate compare to the national average home price?
The national median home value is approximately $410,000. At $91,073, homes in Coalgate are 78% below the national average.