Total monthly cost of ownership
Cost to Own a Home in Bartlesville, Oklahoma
A $155,000 home here costs
$1,402per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $797. The real number is $605 higher every month — 76% 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.
Bartlesville against Washington County and Oklahoma
| Measure | Bartlesville | Washington County |
|---|---|---|
| Median home value | $154,900 | $160,900 |
| Median property tax | $1,652 | $1,505 |
| Effective tax rate | 1.066% | 0.935% |
| Median gross rent | $905 | $903 |
| Population | 37,559 | 52,895 |
Bartlesville extends across 2 counties. Figures here use Washington County, where most of its housing sits.
The weather behind that power bill
Bartlesville sits in Washington County, which averages a high of 92.7°F in its hottest month and a low of 22.3°F in its coldest, with 40.25" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 1,687 cooling and 4,137 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for Washington County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Washington County
Full Washington County cost breakdown · Every county in Oklahoma
Common questions
How much does it cost to own a home in Bartlesville?
A $155,000 home in Bartlesville, Oklahoma costs approximately $1,402 per month with 20% down at 6.66%. That is $797 principal and interest, $138 property tax, $150 homeowners insurance, $188 utilities and $129 set aside for maintenance.
What is the property tax rate in Bartlesville?
Bartlesville has an effective property tax rate of 1.066%, based on a median home value of $154,900 and median real estate taxes of $1,652. That is higher than the Washington County average of 0.935%.
What is the average home price in Bartlesville?
The median owner-occupied home value in Bartlesville, Oklahoma is $154,900, against $160,900 across Washington County.
Is it cheaper to rent or buy in Bartlesville?
Median gross rent in Bartlesville is $905 a month, against $1,402 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 Bartlesville — 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.