Assistance grant
Tonkawa Tribe of Oklahoma Home Buyers Program
New construction · Income limits · Single Family
Down payment assistance · Kay County
Buying a home in Tonkawa, OK
1 Tonkawa program, 2 county programs and 18 statewide.Tonkawa has 1 program of its own, 2 more across Kay County, and 18 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Tonkawa addresses
Tonkawa’s own program
Anywhere in KayAnywhere in Kay County
2 county programs2 county programs a Tonkawa homebuyer can also use
1 more program is for homes in Ponca City. See them 1 program in neighboring cities — for homes inside those cities, not Tonkawa
- Ponca City — City of Ponca City Homebuyer Assistance Program
The Tonkawa marketThe Tonkawa housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Tonkawa
- 84.9% single-familysingle-family
- 0.3% townhousetownhouse
- 3.7% 2–4 units2–4 units
- 4.9% 5+ unitscondo & apartment buildings (5+ units)
- 6.3% mobile & othermobile home & other
About condos. None of Tonkawa’s 3 local and county programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Tonkawa’s homes were built
pre-19401970s2020+
82.3%
of Tonkawa homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$77,500
County area median income, 4 people (HUD)HUD area median income, Kay County, 4-person household (2026)
$58,767
Tonkawa median household incomeMedian household income in Tonkawa (Census, 2024)
17 of the 83 programs here set their income limit as a share of Kay County’s area median income, adjusted for household size. See the published limits for Kay County
Free help nearbyFree help near Tonkawa
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Oklahoma and nationwide
80 statewide & federal programs18 statewide programs, plus federal options
Tonkawa questions
Does Tonkawa have its own down payment program?
Yes, one: Tonkawa Tribe of Oklahoma Home Buyers Program, a assistance grant (new construction, income limits). It is for homes inside Tonkawa.
Can I use assistance on a condo in Tonkawa?
None of Tonkawa’s 3 local and county programs list condos as eligible. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Kay County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Kay County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Tonkawa?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
74653
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.