Total monthly cost of ownership
Cost to Own a Home in Pauls Valley, Oklahoma
A $84,000 home here costs
$819per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $432. The real number is $387 higher every month — 90% 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.
Pauls Valley against Garvin County and Oklahoma
| Measure | Pauls Valley | Garvin County |
|---|---|---|
| Median home value | $84,100 | $132,600 |
| Median property tax | $572 | $750 |
| Effective tax rate | 0.680% | 0.566% |
| Median gross rent | $814 | $828 |
| Population | 6,031 | 25,779 |
The weather behind that power bill
Pauls Valley sits in Garvin County, which averages a high of 95.0°F in its hottest month and a low of 27.2°F in its coldest, with 38.4" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 2,095 cooling and 3,334 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for Garvin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Garvin County
Full Garvin County cost breakdown · Every county in Oklahoma
Common questions
How much does it cost to own a home in Pauls Valley?
A $84,000 home in Pauls Valley, Oklahoma costs approximately $819 per month with 20% down at 6.66%. That is $432 principal and interest, $48 property tax, $81 homeowners insurance, $188 utilities and $70 set aside for maintenance.
What is the property tax rate in Pauls Valley?
Pauls Valley has an effective property tax rate of 0.680%, based on a median home value of $84,100 and median real estate taxes of $572. That is higher than the Garvin County average of 0.566%.
What is the average home price in Pauls Valley?
The median owner-occupied home value in Pauls Valley, Oklahoma is $84,100, against $132,600 across Garvin County.
Is it cheaper to rent or buy in Pauls Valley?
Median gross rent in Pauls Valley is $814 a month, against $819 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 Pauls Valley — 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.