Total monthly cost of ownership
Cost to Own a Home in Pocola, Oklahoma
A $134,000 home here costs
$1,271per 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 $54,500 a year.
A standard mortgage calculator would have told you $731. The real number is $540 higher every month, 74% more than the payment most buyers budget for.
Compare Le Flore County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Pocola from a five-year rolling sample, and with about 4,359 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 Le Flore 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.
Pocola against Le Flore County and Oklahoma
| Measure | Pocola | Le Flore County |
|---|---|---|
| Median home value | $134,200 | $121,600 |
| Median property tax | $852 | $794 |
| Effective tax rate | 0.635% | 0.653% |
| Median gross rent | $747 | $773 |
| Population | 4,359 | 48,728 |
The weather behind that power bill
Pocola sits in Le Flore County, which averages a high of 94.1°F in its hottest month and a low of 29.6°F in its coldest, with 47.34" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,177 cooling and 3,098 heating degree days, which is what sets the $160 electricity line above.
See the full climate breakdown for Le Flore County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Le Flore County
Full Le Flore County cost breakdown · Every county in Oklahoma
Talk to someone who works this market
These are Pocola 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 Pocola every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Pocola I already own here and may sell
Common questions
How much does it cost to own a home in Pocola?
A $134,000 home in Pocola, Oklahoma costs approximately $1,271 per month with 20% down at 7.24%. That is $731 principal and interest, $71 property tax, $130 homeowners insurance, $228 utilities and $112 set aside for maintenance.
What is the property tax rate in Pocola?
Pocola has an effective property tax rate of 0.635%, based on a median home value of $134,200 and median real estate taxes of $852. That is lower than the Le Flore County average of 0.653%.
What is the average home price in Pocola?
The median owner-occupied home value in Pocola, Oklahoma is $134,200, against $121,600 across Le Flore County.
Is it cheaper to rent or buy in Pocola?
Median gross rent in Pocola is $747 a month, against $1,271 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 Pocola?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Pocola, Oklahoma at today's rate takes a household income of roughly $54,500 a year. That covers the full $1,271 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pocola, 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.