{"area":{"county":"Haskell County","state":"OK","stateName":"Oklahoma","slug":"haskell-ok","metro":null},"homeValue":{"series":[{"date":"2021-04-01","value":119403},{"date":"2021-07-01","value":125241},{"date":"2021-10-01","value":129329},{"date":"2022-01-01","value":133268},{"date":"2022-04-01","value":137785},{"date":"2022-07-01","value":138800},{"date":"2022-10-01","value":141717},{"date":"2023-01-01","value":142620},{"date":"2023-04-01","value":145182},{"date":"2023-07-01","value":147479},{"date":"2023-10-01","value":147620},{"date":"2024-01-01","value":149752},{"date":"2024-04-01","value":151155},{"date":"2024-07-01","value":151943},{"date":"2024-10-01","value":153803},{"date":"2025-01-01","value":156761},{"date":"2025-04-01","value":154703},{"date":"2025-07-01","value":155523},{"date":"2025-10-01","value":158931},{"date":"2026-01-01","value":156580},{"date":"2026-04-01","value":157776}],"latest":157776,"yoy":1.9863868186137306,"fiveYr":32.13738348282706,"sinceStart":282.4687287889072,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":916}],"latest":916,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":49806,"population":11683,"povertyRate":20.775287704421565,"medianHomeValue":138800,"medianGrossRent":770,"medianPropertyTax":598},"hud":{"county":"Haskell County","year":"2027","perUnit":916,"bedrooms":2,"estimated":false,"baseBedrooms":2},"crime":{"scope":"state","state":"Oklahoma","period":"10-2024 to 09-2026","window":{"from":"10-2024","to":"09-2026","fellBack":false},"violentCrime":{"total":30862,"ratePer100k":374.24016949580044},"propertyCrime":{"total":138287,"ratePer100k":1676.9020257619648},"note":"State-level totals from the FBI CDE summarized offense endpoint."},"crimeVintage":{"from":"10-2024","to":"09-2026","fellBack":false},"priceToRentRatio":14.4,"ratioVerdict":"Favorable for buying — price-to-rent favors owning (modeled investor cash flow is negative, so this is owner-occupant math — it is not a claim of strong rental yield)","priceCagr":5.732488678240855,"rentCagr":3,"cashFlow":{"price":157776,"monthlyRent":916,"grossRent":916,"downPct":20,"ratePct":6.75,"units":1,"state":"OK","down":31555.2,"loan":126220.8,"mortgagePI":818.6657062731744,"monthlyTax":56.66788,"taxRatePct":0.431,"taxRateSource":"Census ACS county effective rate 0.43% ($598 tax ÷ $138,800 ACS median), applied to current value","monthlyInsurance":111.758,"insuranceRatePct":0.85,"insuranceBasis":"Insurance: state-level estimate (OK avg 0.85%/yr)","insuranceHighRisk":true,"vacancyPct":5,"vacancyLoss":45.800000000000004,"egi":870.2,"mgmtPct":10,"monthlyMgmt":91.60000000000001,"maintenancePct":5,"monthlyMaint":45.800000000000004,"capexPct":5,"monthlyCapex":45.800000000000004,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":351.62588000000005,"noi":518.57412,"totalExpenses":1170.2915862731743,"cashFlow":-300.09158627317436,"annualCf":-3601.0990352780923,"cocReturn":-11.41206214911676,"capRate":3.9441292972315183},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":-368.7915862731744,"delta":-69,"survives":false},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":-327.5715862731744,"delta":-27,"survives":false},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":-328.03108627317437,"delta":-28,"survives":false},{"id":"rateReset","label":"If financed at 8.25% instead","kind":"standard","detail":"Fixed-rate comparison — the deal if you'd borrowed at a higher rate today; your actual fixed payment never resets","cashFlow":-429.6805977659096,"delta":-130,"survives":false},{"id":"historyHome","label":"Worst market shock in available history (since 1991-01-01) (home values −3.7% over 12 months)","kind":"history","detail":"History-derived proxy: worst decline found in any window of up to 12 months in the state FHFA home-value series, 2010-01-01 → 2011-01-01, applied to rent","cashFlow":-325.1917806403377,"delta":-25,"survives":false}],"survived":0,"total":5,"score":0,"worstCashFlow":-429.6805977659096,"baselineCashFlow":-300.09158627317436,"framing":"underwater","confidenceLabel":"crosscheck","omitted":[],"note":"Each scenario re-runs the same verified cash-flow engine with one shock applied, then re-checks the cash-flow identity before display. Standard shocks are fixed assumptions; the history-derived scenario is this market's own worst observed 12-month decline. Estimates only — not a guarantee of performance."},"rentVsBuy":{"years":7,"priceCagr":5.732488678240855,"rentCagr":3,"totalRentPaid":84225.78429167237,"totalCashOutlay":135921.3986882766,"insuranceBasis":"Insurance: state-level estimate (OK avg 0.85%/yr)","homeValueAfter":233077.37763973407,"equityBuilt":118484.70252699297,"netCostOfBuying":48991.896161283614,"buyingCheaper":true,"savings":35233.88813038876},"priceToIncome":{"ratio":3.1678111070955306,"price":157776,"medianIncome":49806,"label":"Moderate (3–5x — tighter budgets)"},"countyTaxRatePct":0.431,"countyTaxSource":"Census ACS county effective rate 0.43% ($598 tax ÷ $138,800 ACS median), applied to current value","dataCheck":{"status":"crosscheck","checks":[{"metric":"home value (vintage update)","primary":157776,"secondary":138800,"primarySource":"current estimate (ACS county median × FHFA state HPI growth)","secondarySource":"raw ACS 2023 county median (as measured ~2021)","ratio":1.14,"grade":"verified","consistent":true,"hidePoint":false},{"metric":"HUD fair market rent","primary":916,"secondary":770,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":1.19,"grade":"crosscheck","consistent":false,"hidePoint":false}],"confidence":{"homeValue":{"label":"verified","ratio":1.14,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":138800,"high":157776}},"rent":{"label":"crosscheck","ratio":1.19,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":770,"high":916}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"note":"Every headline metric is checked against a second figure, and each check names its own basis. The rent and property-price checks pair genuinely independent datasets (HUD FMR vs Census ACS gross rent; your price vs the county estimate). The home-value check compares our current estimate (ACS county median updated by the FHFA state index) against the raw ACS 2023 median — its spread reflects price movement since the ACS measurement period (~2021), not disagreement between unrelated sources. 'Verified' means the two figures agree within 15%; 'Cross-checked' means they diverge more than 15%; 'Divergent' flags a >2x difference. A spread beyond 35% is too wide to defend a single point — the headline shows the source range instead, flagged 'sources disagree'."},"integrity":{"status":"pass","checks":[{"name":"home value freshness","status":"pass","detail":"latest 2026-04-01 (228d old — current for quarterly cadence)"},{"name":"home value card↔chart","status":"pass","detail":"card matches chart"},{"name":"home value growth window","status":"pass","detail":"growth matches the 5.0yr available window"},{"name":"rent freshness","status":"pass","detail":"latest 2026-11-01 (14d old — current for monthly cadence)"},{"name":"rent card↔chart","status":"pass","detail":"card matches chart"},{"name":"cash flow identity","status":"pass","detail":"NOI − P&I = cash flow"},{"name":"cash-on-cash","status":"pass","detail":"annual CF ÷ down matches"},{"name":"cap rate","status":"pass","detail":"NOI×12 ÷ price matches"},{"name":"price-to-rent","status":"pass","detail":"price ÷ (rent×12) matches"},{"name":"income plausibility","status":"pass","detail":"within expected range"},{"name":"price-to-income","status":"pass","detail":"price ÷ income matches"},{"name":"buy-vs-rent: home value at term","status":"pass","detail":"compounds at 5.7%/yr"},{"name":"buy-vs-rent: total rent paid","status":"pass","detail":"geometric series matches"},{"name":"buy-vs-rent: equity built","status":"pass","detail":"home value − loan balance matches"},{"name":"buy-vs-rent: net cost","status":"pass","detail":"outlay − equity gain matches"},{"name":"buy-vs-rent: savings & verdict","status":"pass","detail":"savings = rent − net cost, verdict matches"}],"summary":"16/16 verified","freshness":{"homeValue":{"date":"2026-04-01","ageDays":228,"cadence":"quarterly","current":true},"rent":{"date":"2026-11-01","ageDays":14,"cadence":"monthly","current":true}}},"confidence":{"homeValue":{"label":"verified","ratio":1.14,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":138800,"high":157776}},"rent":{"label":"crosscheck","ratio":1.19,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":770,"high":916}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"Haskell County, OK leans favorable for buying: a price-to-rent ratio of 14.4 favors owning at the median, and modeled investor cash flow is negative, so this is owner-occupant math — not a claim of strong rental yield.","faqs":[{"q":"Is Haskell County, OK a good rental market?","a":"For owning at the median, yes — Haskell County's price-to-rent ratio of 14.4 is in the favorable range, but modeled investor cash flow is negative, so it is not a claim of strong rental yield."},{"q":"What is the median home value in Haskell County?","a":"The typical home value in Haskell County is about $157,776 (county-level, Census ACS & FHFA state HPI), up 2.0% year-over-year, and up 32.1% over five years."},{"q":"What is the median rent in Haskell County?","a":"The typical rent in Haskell County is about $916/mo (county-level, HUD 2-bedroom benchmark bridged from Census ACS gross rent), a current modeled estimate."},{"q":"Is it cheaper to rent or buy in Haskell County?","a":"Over a 7-year horizon, buying is cheaper in Haskell County — roughly $35,234 ahead of renting, with about $118,485 in equity built."},{"q":"Is Haskell County affordable for homebuyers?","a":"Haskell County's median home value is 3.2x the local median household income — Moderate (3–5x — tighter budgets)."},{"q":"What is the property tax rate in Haskell County?","a":"Haskell County's effective property tax rate is about 0.43% of home value (Census ACS county effective rate 0.43% ($598 tax ÷ $138,800 ACS median), applied to current value), which on a $157,776 median home is roughly $57/mo."}],"takeaways":["The median home value in Haskell County, OK was $157,776 as of April 2026, up 2.0% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in Haskell County, OK was $916/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","Haskell County, OK has a price-to-rent ratio of 14.4 — a reading that favors owning (owner-occupant math — not automatically strong investor cash flow). (Computed by Areal from the figures above.)"],"citationSources":[{"name":"U.S. Census Bureau — ACS ACS 2024 5-year estimates","url":"https://www.census.gov/programs-surveys/acs/"},{"name":"FHFA House Price Index","url":"https://www.fhfa.gov/data/hpi"},{"name":"HUD Fair Market Rent","url":"https://www.huduser.gov/portal/datasets/fmr.html"},{"name":"FBI Crime Data Explorer","url":"https://cde.ucr.cjis.gov/"}],"jsonApi":{"function":"getCountyReport","query":"slug=haskell-ok","url":"https://areal.studio/functions/getCountyReport?slug=haskell-ok"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-15T05:31:15.058Z","homeValueBasis":"FHFA state HPI (quarterly) × ACS county anchor","rentBasis":"HUD county FMR — flat current estimate (modeled, no public trend)","zhviThrough":null,"zoriThrough":null,"fhfaHpiThrough":"2026-04-01","hpiLevel":"state","hpiMetro":null,"acsVintage":"ACS 2024 5-year estimates","acsVintageMisses":[],"hudFy":"2027","safmrFy":null},"zipAnchors":{"homeValueTier":"county-fhfa-acs","rentTier":"county-acs-hud","zhvi":null,"zori":null,"safmr":null,"countyHomeEstimate":157776,"countyFmr":916,"countyRatio":null,"hpiLevel":"state","hpiMetro":null},"links":{"stateDir":"OK","stateName":"Oklahoma","cityPages":[],"zips":[]},"sources":["Census ACS 5-year","FHFA HPI","HUD Fair Market Rent","FBI CDE (state-level context)"]}