Total monthly cost of ownership
Cost to Own a Home in Boise City, Oklahoma
A $65,000 home here costs
$663per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $334. The real number is $329 higher every month — 98% 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.
Boise City against Cimarron County and Oklahoma
| Measure | Boise City | Cimarron County |
|---|---|---|
| Median home value | $65,300 | $94,500 |
| Median property tax | $284 | $386 |
| Effective tax rate | 0.435% | 0.408% |
| Median gross rent | $691 | $682 |
| Population | 1,218 | 2,247 |
The weather behind that power bill
Boise City sits in Cimarron County, which averages a high of 93.8°F in its hottest month and a low of 20.4°F in its coldest, with 18.34" of precipitation a year and 47% of it in a single three-month stretch. That climate drives 1,305 cooling and 4,405 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for Cimarron County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cimarron County
No other places of this size are published in Cimarron County.
Full Cimarron County cost breakdown · Every county in Oklahoma
Common questions
How much does it cost to own a home in Boise City?
A $65,000 home in Boise City, Oklahoma costs approximately $663 per month with 20% down at 6.66%. That is $334 principal and interest, $24 property tax, $63 homeowners insurance, $188 utilities and $54 set aside for maintenance.
What is the property tax rate in Boise City?
Boise City has an effective property tax rate of 0.435%, based on a median home value of $65,300 and median real estate taxes of $284. That is higher than the Cimarron County average of 0.408%.
What is the average home price in Boise City?
The median owner-occupied home value in Boise City, Oklahoma is $65,300, against $94,500 across Cimarron County.
Is it cheaper to rent or buy in Boise City?
Median gross rent in Boise City is $691 a month, against $663 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Boise City — 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.