Total monthly cost of ownership
Cost to Own a Home in Sayre, Oklahoma
A $78,000 home here costs
$772per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $401. The real number is $371 higher every month — 92% 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.
Sayre against Beckham County and Oklahoma
| Measure | Sayre | Beckham County |
|---|---|---|
| Median home value | $77,800 | $153,400 |
| Median property tax | $501 | $1,215 |
| Effective tax rate | 0.644% | 0.792% |
| Median gross rent | $770 | $821 |
| Population | 5,216 | 22,202 |
The weather behind that power bill
Sayre sits in Beckham County, which averages a high of 94.2°F in its hottest month and a low of 27.5°F in its coldest, with 23.9" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 1,981 cooling and 3,752 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for Beckham County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Beckham County
Full Beckham County cost breakdown · Every county in Oklahoma
Common questions
How much does it cost to own a home in Sayre?
A $78,000 home in Sayre, Oklahoma costs approximately $772 per month with 20% down at 6.66%. That is $401 principal and interest, $42 property tax, $76 homeowners insurance, $188 utilities and $65 set aside for maintenance.
What is the property tax rate in Sayre?
Sayre has an effective property tax rate of 0.644%, based on a median home value of $77,800 and median real estate taxes of $501. That is lower than the Beckham County average of 0.792%.
What is the average home price in Sayre?
The median owner-occupied home value in Sayre, Oklahoma is $77,800, against $153,400 across Beckham County.
Is it cheaper to rent or buy in Sayre?
Median gross rent in Sayre is $770 a month, against $772 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 Sayre — 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.