Total monthly cost of ownership
Cost to Own a Home in Pawhuska, Oklahoma
A $108,000 home here costs
$991per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $555. The real number is $436 higher every month — 79% 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.
Pawhuska against Osage County and Oklahoma
| Measure | Pawhuska | Osage County |
|---|---|---|
| Median home value | $107,900 | $172,300 |
| Median property tax | $639 | $1,253 |
| Effective tax rate | 0.592% | 0.727% |
| Median gross rent | $541 | $786 |
| Population | 2,984 | 45,963 |
The weather behind that power bill
Pawhuska sits in Osage County, which averages a high of 92.3°F in its hottest month and a low of 24.8°F in its coldest, with 45.3" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 1,877 cooling and 3,704 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for Osage County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Osage County
Common questions
How much does it cost to own a home in Pawhuska?
A $108,000 home in Pawhuska, Oklahoma costs approximately $991 per month with 20% down at 6.66%. That is $555 principal and interest, $53 property tax, $105 homeowners insurance, $188 utilities and $90 set aside for maintenance.
What is the property tax rate in Pawhuska?
Pawhuska has an effective property tax rate of 0.592%, based on a median home value of $107,900 and median real estate taxes of $639. That is lower than the Osage County average of 0.727%.
What is the average home price in Pawhuska?
The median owner-occupied home value in Pawhuska, Oklahoma is $107,900, against $172,300 across Osage County.
Is it cheaper to rent or buy in Pawhuska?
Median gross rent in Pawhuska is $541 a month, against $991 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 Pawhuska — 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.