Total monthly cost of ownership
Cost to Own a Home in Hartshorne, Oklahoma
A $94,000 home here costs
$961per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $41,000 a year.
A standard mortgage calculator would have told you $512. The real number is $448 higher every month, 87% more than the payment most buyers budget for.
Compare Pittsburg County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Hartshorne from a five-year rolling sample, and with about 1,654 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Pittsburg County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Hartshorne against Pittsburg County and Oklahoma
| Measure | Hartshorne | Pittsburg County |
|---|---|---|
| Median home value | $94,400 | $146,300 |
| Median property tax | $611 | $756 |
| Effective tax rate | 0.647% | 0.517% |
| Median gross rent | $623 | $857 |
| Population | 1,654 | 43,629 |
The weather behind that power bill
Hartshorne sits in Pittsburg County, which averages a high of 93.2°F in its hottest month and a low of 30.2°F in its coldest, with 42.61" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 2,133 cooling and 3,079 heating degree days, which is what sets the $160 electricity line above.
See the full climate breakdown for Pittsburg County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pittsburg County
Full Pittsburg County cost breakdown · Every county in Oklahoma
Talk to someone who works this market
These are Hartshorne averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Hartshorne every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Hartshorne I already own here and may sell
Common questions
How much does it cost to own a home in Hartshorne?
A $94,000 home in Hartshorne, Oklahoma costs approximately $961 per month with 20% down at 7.24%. That is $512 principal and interest, $51 property tax, $91 homeowners insurance, $228 utilities and $78 set aside for maintenance.
What is the property tax rate in Hartshorne?
Hartshorne has an effective property tax rate of 0.647%, based on a median home value of $94,400 and median real estate taxes of $611. That is higher than the Pittsburg County average of 0.517%.
What is the average home price in Hartshorne?
The median owner-occupied home value in Hartshorne, Oklahoma is $94,400, against $146,300 across Pittsburg County.
Is it cheaper to rent or buy in Hartshorne?
Median gross rent in Hartshorne is $623 a month, against $961 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Hartshorne?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Hartshorne, Oklahoma at today's rate takes a household income of roughly $41,000 a year. That covers the full $961 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Hartshorne, 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.