Total monthly cost of ownership
Cost to Own a Home in Kingfisher, Oklahoma
A $219,000 home here costs
$1,919per 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 $82,000 a year.
A standard mortgage calculator would have told you $1,194. The real number is $725 higher every month, 61% more than the payment most buyers budget for.
Compare Kingfisher County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Kingfisher from a five-year rolling sample, and with about 4,964 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 Kingfisher 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.
Kingfisher against Kingfisher County and Oklahoma
| Measure | Kingfisher | Kingfisher County |
|---|---|---|
| Median home value | $219,400 | $206,400 |
| Median property tax | $1,226 | $1,139 |
| Effective tax rate | 0.559% | 0.552% |
| Median gross rent | $932 | $915 |
| Population | 4,964 | 15,288 |
The weather behind that power bill
Kingfisher sits in Kingfisher County, which averages a high of 94.6°F in its hottest month and a low of 25.0°F in its coldest, with 36.55" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 2,033 cooling and 3,806 heating degree days, which is what sets the $160 electricity line above.
See the full climate breakdown for Kingfisher County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kingfisher County
Full Kingfisher County cost breakdown · Every county in Oklahoma
Talk to someone who works this market
These are Kingfisher 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 Kingfisher every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Kingfisher I already own here and may sell
Common questions
How much does it cost to own a home in Kingfisher?
A $219,000 home in Kingfisher, Oklahoma costs approximately $1,919 per month with 20% down at 7.24%. That is $1,194 principal and interest, $102 property tax, $212 homeowners insurance, $228 utilities and $183 set aside for maintenance.
What is the property tax rate in Kingfisher?
Kingfisher has an effective property tax rate of 0.559%, based on a median home value of $219,400 and median real estate taxes of $1,226. That is in line with the Kingfisher County average of 0.552%.
What is the average home price in Kingfisher?
The median owner-occupied home value in Kingfisher, Oklahoma is $219,400, against $206,400 across Kingfisher County.
Is it cheaper to rent or buy in Kingfisher?
Median gross rent in Kingfisher is $932 a month, against $1,919 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 Kingfisher?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Kingfisher, Oklahoma at today's rate takes a household income of roughly $82,000 a year. That covers the full $1,919 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Kingfisher, 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.