Total monthly cost of ownership
Cost to Own a Home in Eufaula, Oklahoma
A $180,000 home here costs
$1,517per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $925. The real number is $592 higher every month — 64% 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.
Eufaula against McIntosh County and Oklahoma
| Measure | Eufaula | McIntosh County |
|---|---|---|
| Median home value | $180,300 | $135,800 |
| Median property tax | $949 | $797 |
| Effective tax rate | 0.526% | 0.587% |
| Median gross rent | $773 | $763 |
| Population | 2,783 | 19,237 |
The weather behind that power bill
Eufaula sits in McIntosh County, which averages a high of 92.3°F in its hottest month and a low of 28.2°F in its coldest, with 43.23" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,920 cooling and 3,412 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for McIntosh County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in McIntosh County
Full McIntosh County cost breakdown · Every county in Oklahoma
Common questions
How much does it cost to own a home in Eufaula?
A $180,000 home in Eufaula, Oklahoma costs approximately $1,517 per month with 20% down at 6.66%. That is $925 principal and interest, $79 property tax, $174 homeowners insurance, $188 utilities and $150 set aside for maintenance.
What is the property tax rate in Eufaula?
Eufaula has an effective property tax rate of 0.526%, based on a median home value of $180,300 and median real estate taxes of $949. That is lower than the McIntosh County average of 0.587%.
What is the average home price in Eufaula?
The median owner-occupied home value in Eufaula, Oklahoma is $180,300, against $135,800 across McIntosh County.
Is it cheaper to rent or buy in Eufaula?
Median gross rent in Eufaula is $773 a month, against $1,517 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 Eufaula — 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.