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Market MapOklahomaGrady

Grady County

OklahomaPopulation: 55,314
69
/100
Hold
#0 of 0 counties
#16 in Oklahoma (77 counties)
Analysis by RentalCalcs Research·Independent data + algorithm-driven scoring
Updated July 20, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$250,367
Median Home Price
0% below national median
$1,361/mo
Median Rent
0% below national median
6.52%
Rent-to-Price Ratio
Top 50% nationally
-$428
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Scenario comparison

Same $1,361/mo rent assumption, 20% down, 6.85% rate. What changes is the acquisition price.
ScenarioPurchase priceMonthly cash flowCap rateCash-on-cash
75% of median
value-add or distressed
$187,776-$100/mo5.7%-2.8%
Median
typical MLS deal
$250,367-$428/mo4.2%-8.9%
125% of median
newer / premium
$312,959-$756/mo3.4%-12.6%

Price History

Median Home Price

Median Rent

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$250,367
Down Payment (20%)$50,073
Loan Amount$200,294
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,361
Monthly P&I-$1,312
Est. Expenses (35%)-$476
Net Cash Flow-$428/mo
4.2%
Cap Rate (all cash)
-8.9%
Cash-on-Cash Return
6.52%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 4.2% 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 AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
69/100
69
Cash Flow(30%)
65/100

Based on 6.52% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
87/100

Based on 5.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
76/100

Based on price relative to estimated local incomes.

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

  • +Strong price appreciation (+5.4% YoY)
  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Negative cash flow at typical financing (-$428/mo)
  • -Negative leverage (cap rate 4.2% < mortgage rate 6.9%)

Economic Indicators

Population
55,314
Median Income
—
Data pending
Unemployment Rate
—
Data pending
Price-to-Income
—
Data pending

Who this market fits

Best for
  • +Appreciation buyers: YoY growth is meaningfully above the long-run average
  • +Patient holders willing to accept negative carry for equity gains
  • +All-cash buyers: removing debt service flips the cap rate to actual yield
Skip if
  • −You need positive cash flow on day one at typical leverage
  • −You can't tolerate negative leverage (cap rate below mortgage rate today)

Compare to Nearby Counties

CountyVerdict
CurrentGradyOK
69$250,367$1,3616.52%Buy
SeminoleOK
69$115,715Est. pending—BuyView
PottawatomieOK
68$187,816$9866.30%BuyView
WagonerOK
68$277,096$1,6156.99%BuyView
MayesOK
68$207,846$1,1826.83%BuyView
NowataOK
67$167,686Est. pending—BuyView

The Bottom Line

HoldGrady scores well overall, but a typical leveraged buy-and-hold loses $428/mo at current rates. Consider house hacking, value-add, or all-cash; otherwise a worse score with positive cash flow may be the better deal.

Grady County in Oklahoma scores 69/100, ranking #0 of 0 US counties (top 50%). At 20% down and current rates, a median-priced rental loses about $428/month; the 6.52% gross rent-to-price ratio doesn't survive debt service. The thesis here is appreciation, value-add, house hacking, or all-cash.

Monthly Cash Flow
$-428/mo
Cap Rate
4.2%
Cash-on-Cash
-8.9%

Related markets

Markets like Grady with stronger cash flow

  • Wagoner County for cash-flow rentals
  • Mayes County for cash-flow rentals
  • Pottawatomie County for cash-flow rentals

Cheaper alternatives to Grady

  • Seminole County, lower entry price
  • Nowata County, lower entry price
  • Pottawatomie County, lower entry price

Head-to-head comparisons

  • Grady vs Seminole for rentals
  • Grady vs Pottawatomie for rentals
  • Grady vs Wagoner for rentals
All counties in Oklahoma →

Rent vs buy in Oklahoma cities

Rent vs buy in Tulsa, OKMedian $244,543 · rent $1,379/moRent vs buy in Norman, OKMedian $249,080 · rent $1,386/moRent vs buy in Broken Arrow, OKMedian $244,543 · rent $1,379/moRent vs buy in Lawton, OKMedian $150,944 · rent $1,052/moRent vs buy in Oklahoma City, OKMedian $219,315 · rent $1,300/moAll Oklahoma citiesFull rent-vs-buy directory for the state

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