Total monthly cost of ownership
Cost to Own a Home in Moodys, Oklahoma
A $414,000 home here costs
$3,159per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,128. The real number is $1,030 higher every month — 48% 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.
Moodys against Cherokee County and Oklahoma
| Measure | Moodys | Cherokee County |
|---|---|---|
| Median home value | $414,000 | $160,300 |
| Median property tax | $1,151 | $905 |
| Effective tax rate | 0.278% | 0.565% |
| Median gross rent | $675 | $803 |
| Population | 1,128 | 47,621 |
The weather behind that power bill
Moodys sits in Cherokee County, which averages a high of 93.0°F in its hottest month and a low of 27.5°F in its coldest, with 50.98" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,863 cooling and 3,312 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for Cherokee County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cherokee County
Full Cherokee County cost breakdown · Every county in Oklahoma
Common questions
How much does it cost to own a home in Moodys?
A $414,000 home in Moodys, Oklahoma costs approximately $3,159 per month with 20% down at 6.66%. That is $2,128 principal and interest, $96 property tax, $401 homeowners insurance, $188 utilities and $345 set aside for maintenance.
What is the property tax rate in Moodys?
Moodys has an effective property tax rate of 0.278%, based on a median home value of $414,000 and median real estate taxes of $1,151. That is lower than the Cherokee County average of 0.565%.
What is the average home price in Moodys?
The median owner-occupied home value in Moodys, Oklahoma is $414,000, against $160,300 across Cherokee County.
Is it cheaper to rent or buy in Moodys?
Median gross rent in Moodys is $675 a month, against $3,159 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 Moodys — 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.