Total monthly cost of ownership
Cost to Own a Home in Pawnee, Oklahoma
A $97,000 home here costs
$912per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $499. The real number is $413 higher every month — 83% 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.
Pawnee against Pawnee County and Oklahoma
| Measure | Pawnee | Pawnee County |
|---|---|---|
| Median home value | $97,000 | $125,700 |
| Median property tax | $604 | $873 |
| Effective tax rate | 0.623% | 0.695% |
| Median gross rent | $794 | $872 |
| Population | 1,887 | 15,689 |
The weather behind that power bill
Pawnee sits in Pawnee County, which averages a high of 95.4°F in its hottest month and a low of 26.7°F in its coldest, with 33.17" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 2,194 cooling and 3,449 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for Pawnee County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pawnee County
Full Pawnee County cost breakdown · Every county in Oklahoma
Common questions
How much does it cost to own a home in Pawnee?
A $97,000 home in Pawnee, Oklahoma costs approximately $912 per month with 20% down at 6.66%. That is $499 principal and interest, $50 property tax, $94 homeowners insurance, $188 utilities and $81 set aside for maintenance.
What is the property tax rate in Pawnee?
Pawnee has an effective property tax rate of 0.623%, based on a median home value of $97,000 and median real estate taxes of $604. That is lower than the Pawnee County average of 0.695%.
What is the average home price in Pawnee?
The median owner-occupied home value in Pawnee, Oklahoma is $97,000, against $125,700 across Pawnee County.
Is it cheaper to rent or buy in Pawnee?
Median gross rent in Pawnee is $794 a month, against $912 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 Pawnee — 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.