Total monthly cost of ownership
Cost to Own a Home in Stilwell, Oklahoma
A $100,000 home here costs
$924per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $514. The real number is $410 higher every month — 80% 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.
Stilwell against Adair County and Oklahoma
| Measure | Stilwell | Adair County |
|---|---|---|
| Median home value | $99,800 | $111,500 |
| Median property tax | $497 | $530 |
| Effective tax rate | 0.498% | 0.475% |
| Median gross rent | $594 | $650 |
| Population | 3,740 | 19,595 |
The weather behind that power bill
Stilwell sits in Adair County, which averages a high of 89.2°F in its hottest month and a low of 25.1°F in its coldest, with 46.96" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,352 cooling and 4,080 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for Adair County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Adair County
Common questions
How much does it cost to own a home in Stilwell?
A $100,000 home in Stilwell, Oklahoma costs approximately $924 per month with 20% down at 6.66%. That is $514 principal and interest, $42 property tax, $97 homeowners insurance, $188 utilities and $83 set aside for maintenance.
What is the property tax rate in Stilwell?
Stilwell has an effective property tax rate of 0.498%, based on a median home value of $99,800 and median real estate taxes of $497. That is higher than the Adair County average of 0.475%.
What is the average home price in Stilwell?
The median owner-occupied home value in Stilwell, Oklahoma is $99,800, against $111,500 across Adair County.
Is it cheaper to rent or buy in Stilwell?
Median gross rent in Stilwell is $594 a month, against $924 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 Stilwell — 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.