Total monthly cost of ownership
Cost to Own a Home in Healdton, Oklahoma
A $59,000 home here costs
$642per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $303. The real number is $338 higher every month — 112% 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.
Healdton against Carter County and Oklahoma
| Measure | Healdton | Carter County |
|---|---|---|
| Median home value | $58,800 | $153,500 |
| Median property tax | $523 | $1,185 |
| Effective tax rate | 0.889% | 0.772% |
| Median gross rent | $843 | $945 |
| Population | 2,635 | 48,255 |
The weather behind that power bill
Healdton sits in Carter County, which averages a high of 93.5°F in its hottest month and a low of 27.9°F in its coldest, with 41.8" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,038 cooling and 3,280 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for Carter County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Carter County
Full Carter County cost breakdown · Every county in Oklahoma
Common questions
How much does it cost to own a home in Healdton?
A $59,000 home in Healdton, Oklahoma costs approximately $642 per month with 20% down at 6.66%. That is $303 principal and interest, $44 property tax, $57 homeowners insurance, $188 utilities and $49 set aside for maintenance.
What is the property tax rate in Healdton?
Healdton has an effective property tax rate of 0.889%, based on a median home value of $58,800 and median real estate taxes of $523. That is higher than the Carter County average of 0.772%.
What is the average home price in Healdton?
The median owner-occupied home value in Healdton, Oklahoma is $58,800, against $153,500 across Carter County.
Is it cheaper to rent or buy in Healdton?
Median gross rent in Healdton is $843 a month, against $642 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 Healdton — 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.