Total monthly cost of ownership
Cost to Own a Home in Pryor Creek, Oklahoma
A $146,000 home here costs
$1,372per 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 $59,000 a year.
A standard mortgage calculator would have told you $796. The real number is $576 higher every month, 72% more than the payment most buyers budget for.
Compare Mayes County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Pryor Creek against Mayes County and Oklahoma
| Measure | Pryor Creek | Mayes County |
|---|---|---|
| Median home value | $146,200 | $171,900 |
| Median property tax | $1,027 | $1,153 |
| Effective tax rate | 0.702% | 0.671% |
| Median gross rent | $918 | $846 |
| Population | 9,520 | 39,406 |
The weather behind that power bill
Pryor Creek sits in Mayes County, which averages a high of 92.1°F in its hottest month and a low of 25.1°F in its coldest, with 44.73" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,728 cooling and 3,874 heating degree days, which is what sets the $160 electricity line above.
See the full climate breakdown for Mayes County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mayes County
Talk to someone who works this market
These are Pryor Creek 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 Pryor Creek 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 Pryor Creek?
A $146,000 home in Pryor Creek, Oklahoma costs approximately $1,372 per month with 20% down at 7.24%. That is $796 principal and interest, $85 property tax, $141 homeowners insurance, $228 utilities and $122 set aside for maintenance.
What is the property tax rate in Pryor Creek?
Pryor Creek has an effective property tax rate of 0.702%, based on a median home value of $146,200 and median real estate taxes of $1,027. That is higher than the Mayes County average of 0.671%.
What is the average home price in Pryor Creek?
The median owner-occupied home value in Pryor Creek, Oklahoma is $146,200, against $171,900 across Mayes County.
Is it cheaper to rent or buy in Pryor Creek?
Median gross rent in Pryor Creek is $918 a month, against $1,372 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 Pryor Creek?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Pryor Creek, Oklahoma at today's rate takes a household income of roughly $59,000 a year. That covers the full $1,372 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pryor Creek, 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.