Total monthly cost of ownership
Cost to Own a Home in Moore, Oklahoma
A $189,000 home here costs
$1,673per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $972. The real number is $702 higher every month — 72% 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.
Moore against Cleveland County and Oklahoma
| Measure | Moore | Cleveland County |
|---|---|---|
| Median home value | $189,300 | $222,800 |
| Median property tax | $2,077 | $2,288 |
| Effective tax rate | 1.097% | 1.027% |
| Median gross rent | $1,276 | $1,128 |
| Population | 63,045 | 297,545 |
The weather behind that power bill
Moore sits in Cleveland County, which averages a high of 92.5°F in its hottest month and a low of 27.7°F in its coldest, with 37.65" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 1,945 cooling and 3,479 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for Cleveland County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cleveland County
Full Cleveland County cost breakdown · Every county in Oklahoma
Common questions
How much does it cost to own a home in Moore?
A $189,000 home in Moore, Oklahoma costs approximately $1,673 per month with 20% down at 6.66%. That is $972 principal and interest, $173 property tax, $183 homeowners insurance, $188 utilities and $158 set aside for maintenance.
What is the property tax rate in Moore?
Moore has an effective property tax rate of 1.097%, based on a median home value of $189,300 and median real estate taxes of $2,077. That is higher than the Cleveland County average of 1.027%.
What is the average home price in Moore?
The median owner-occupied home value in Moore, Oklahoma is $189,300, against $222,800 across Cleveland County.
Is it cheaper to rent or buy in Moore?
Median gross rent in Moore is $1,276 a month, against $1,673 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 Moore — 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.