Total monthly cost of ownership
Cost to Own a Home in Pawhuska, Oklahoma
A $108,000 home here costs
$1,065per 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 $45,500 a year.
A standard mortgage calculator would have told you $589. The real number is $476 higher every month, 81% more than the payment most buyers budget for.
Compare Osage County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Pawhuska from a five-year rolling sample, and with about 2,984 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 Osage 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.
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 $160 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
Talk to someone who works this market
These are Pawhuska 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 Pawhuska every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Pawhuska?
A $108,000 home in Pawhuska, Oklahoma costs approximately $1,065 per month with 20% down at 7.24%. That is $589 principal and interest, $53 property tax, $105 homeowners insurance, $228 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 $1,065 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 Pawhuska?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Pawhuska, Oklahoma at today's rate takes a household income of roughly $45,500 a year. That covers the full $1,065 monthly cost, not just the mortgage payment.
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.