Total monthly cost of ownership
Cost to Own a Home in Goldsby, Oklahoma
A $374,000 home here costs
$3,008per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,923. The real number is $1,086 higher every month — 56% 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.
Goldsby against McClain County and Oklahoma
| Measure | Goldsby | McClain County |
|---|---|---|
| Median home value | $374,400 | $233,900 |
| Median property tax | $2,679 | $1,868 |
| Effective tax rate | 0.716% | 0.799% |
| Median gross rent | $2,131 | $964 |
| Population | 2,902 | 43,779 |
The weather behind that power bill
Goldsby sits in McClain County, which averages a high of 92.5°F in its hottest month and a low of 27.7°F in its coldest, with 37.65" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 1,945 cooling and 3,479 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for McClain County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in McClain County
Full McClain County cost breakdown · Every county in Oklahoma
Common questions
How much does it cost to own a home in Goldsby?
A $374,000 home in Goldsby, Oklahoma costs approximately $3,008 per month with 20% down at 6.66%. That is $1,923 principal and interest, $223 property tax, $362 homeowners insurance, $188 utilities and $312 set aside for maintenance.
What is the property tax rate in Goldsby?
Goldsby has an effective property tax rate of 0.716%, based on a median home value of $374,400 and median real estate taxes of $2,679. That is lower than the McClain County average of 0.799%.
What is the average home price in Goldsby?
The median owner-occupied home value in Goldsby, Oklahoma is $374,400, against $233,900 across McClain County.
Is it cheaper to rent or buy in Goldsby?
Median gross rent in Goldsby is $2,131 a month, against $3,008 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 Goldsby — 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.