Total monthly cost of ownership
Cost to Own a Home in Apache, Oklahoma
A $85,000 home here costs
$830per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $437. The real number is $393 higher every month — 90% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Apache against Caddo County and Oklahoma
| Measure | Apache | Caddo County |
|---|---|---|
| Median home value | $85,400 | $109,900 |
| Median property tax | $625 | $627 |
| Effective tax rate | 0.732% | 0.571% |
| Median gross rent | $657 | $715 |
| Population | 1,062 | 26,626 |
The weather behind that power bill
Apache sits in Caddo County, which averages a high of 96.8°F in its hottest month and a low of 28.1°F in its coldest, with 27.99" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 2,307 cooling and 3,406 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for Caddo County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Caddo County
Common questions
How much does it cost to own a home in Apache?
A $85,000 home in Apache, Oklahoma costs approximately $830 per month with 20% down at 6.66%. That is $437 principal and interest, $52 property tax, $82 homeowners insurance, $188 utilities and $71 set aside for maintenance.
What is the property tax rate in Apache?
Apache has an effective property tax rate of 0.732%, based on a median home value of $85,400 and median real estate taxes of $625. That is higher than the Caddo County average of 0.571%.
What is the average home price in Apache?
The median owner-occupied home value in Apache, Oklahoma is $85,400, against $109,900 across Caddo County.
Is it cheaper to rent or buy in Apache?
Median gross rent in Apache is $657 a month, against $830 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Apache — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Oklahoma.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.