Total monthly cost of ownership
Cost to Own a Home in Kiefer, Oklahoma
A $207,000 home here costs
$1,779per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,064. The real number is $715 higher every month — 67% 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.
Kiefer against Creek County and Oklahoma
| Measure | Kiefer | Creek County |
|---|---|---|
| Median home value | $207,200 | $170,900 |
| Median property tax | $1,849 | $1,261 |
| Effective tax rate | 0.892% | 0.738% |
| Median gross rent | $1,105 | $910 |
| Population | 2,418 | 72,353 |
The weather behind that power bill
Kiefer sits in Creek County, which averages a high of 91.9°F in its hottest month and a low of 26.1°F in its coldest, with 42.07" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 1,701 cooling and 3,665 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for Creek County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Creek County
Common questions
How much does it cost to own a home in Kiefer?
A $207,000 home in Kiefer, Oklahoma costs approximately $1,779 per month with 20% down at 6.66%. That is $1,064 principal and interest, $154 property tax, $201 homeowners insurance, $188 utilities and $173 set aside for maintenance.
What is the property tax rate in Kiefer?
Kiefer has an effective property tax rate of 0.892%, based on a median home value of $207,200 and median real estate taxes of $1,849. That is higher than the Creek County average of 0.738%.
What is the average home price in Kiefer?
The median owner-occupied home value in Kiefer, Oklahoma is $207,200, against $170,900 across Creek County.
Is it cheaper to rent or buy in Kiefer?
Median gross rent in Kiefer is $1,105 a month, against $1,779 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 Kiefer — 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.