Total monthly cost of ownership
Cost to Own a Home in Heavener, Oklahoma
A $57,000 home here costs
$617per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $293. The real number is $324 higher every month — 111% 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.
Heavener against Le Flore County and Oklahoma
| Measure | Heavener | Le Flore County |
|---|---|---|
| Median home value | $57,100 | $121,600 |
| Median property tax | $400 | $794 |
| Effective tax rate | 0.701% | 0.653% |
| Median gross rent | $756 | $773 |
| Population | 2,998 | 48,728 |
The weather behind that power bill
Heavener sits in Le Flore County, which averages a high of 94.1°F in its hottest month and a low of 29.6°F in its coldest, with 47.34" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,177 cooling and 3,098 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for Le Flore County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Le Flore County
Full Le Flore County cost breakdown · Every county in Oklahoma
Common questions
How much does it cost to own a home in Heavener?
A $57,000 home in Heavener, Oklahoma costs approximately $617 per month with 20% down at 6.66%. That is $293 principal and interest, $33 property tax, $55 homeowners insurance, $188 utilities and $48 set aside for maintenance.
What is the property tax rate in Heavener?
Heavener has an effective property tax rate of 0.701%, based on a median home value of $57,100 and median real estate taxes of $400. That is higher than the Le Flore County average of 0.653%.
What is the average home price in Heavener?
The median owner-occupied home value in Heavener, Oklahoma is $57,100, against $121,600 across Le Flore County.
Is it cheaper to rent or buy in Heavener?
Median gross rent in Heavener is $756 a month, against $617 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 Heavener — 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.