Total monthly cost of ownership
Cost to Own a Home in Muldrow, Oklahoma
A $109,000 home here costs
$1,069per 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 $46,000 a year.
A standard mortgage calculator would have told you $594. The real number is $475 higher every month, 80% more than the payment most buyers budget for.
Compare Sequoyah County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Muldrow from a five-year rolling sample, and with about 3,292 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 Sequoyah 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.
Muldrow against Sequoyah County and Oklahoma
| Measure | Muldrow | Sequoyah County |
|---|---|---|
| Median home value | $108,700 | $127,500 |
| Median property tax | $602 | $723 |
| Effective tax rate | 0.554% | 0.567% |
| Median gross rent | $707 | $796 |
| Population | 3,292 | 39,676 |
The weather behind that power bill
Muldrow sits in Sequoyah County, which averages a high of 91.4°F in its hottest month and a low of 27.9°F in its coldest, with 47.4" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,833 cooling and 3,549 heating degree days, which is what sets the $160 electricity line above.
See the full climate breakdown for Sequoyah County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sequoyah County
Full Sequoyah County cost breakdown · Every county in Oklahoma
Talk to someone who works this market
These are Muldrow 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 Muldrow every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Muldrow I already own here and may sell
Common questions
How much does it cost to own a home in Muldrow?
A $109,000 home in Muldrow, Oklahoma costs approximately $1,069 per month with 20% down at 7.24%. That is $594 principal and interest, $50 property tax, $106 homeowners insurance, $228 utilities and $91 set aside for maintenance.
What is the property tax rate in Muldrow?
Muldrow has an effective property tax rate of 0.554%, based on a median home value of $108,700 and median real estate taxes of $602. That is lower than the Sequoyah County average of 0.567%.
What is the average home price in Muldrow?
The median owner-occupied home value in Muldrow, Oklahoma is $108,700, against $127,500 across Sequoyah County.
Is it cheaper to rent or buy in Muldrow?
Median gross rent in Muldrow is $707 a month, against $1,069 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 Muldrow?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Muldrow, Oklahoma at today's rate takes a household income of roughly $46,000 a year. That covers the full $1,069 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Muldrow, 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.