Total monthly cost of ownership
Cost to Own a Home in Warner, Oklahoma
A $89,000 home here costs
$928per 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 $40,000 a year.
A standard mortgage calculator would have told you $485. The real number is $443 higher every month, 91% more than the payment most buyers budget for.
Compare Muskogee County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Warner from a five-year rolling sample, and with about 1,581 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 Muskogee 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.
Warner against Muskogee County and Oklahoma
| Measure | Warner | Muskogee County |
|---|---|---|
| Median home value | $88,900 | $138,800 |
| Median property tax | $656 | $972 |
| Effective tax rate | 0.738% | 0.700% |
| Median gross rent | $756 | $824 |
| Population | 1,581 | 66,471 |
The weather behind that power bill
Warner sits in Muskogee County, which averages a high of 92.3°F in its hottest month and a low of 28.2°F in its coldest, with 43.23" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,920 cooling and 3,412 heating degree days, which is what sets the $160 electricity line above.
See the full climate breakdown for Muskogee County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Muskogee County
Full Muskogee County cost breakdown · Every county in Oklahoma
Talk to someone who works this market
These are Warner 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 Warner every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Warner I already own here and may sell
Common questions
How much does it cost to own a home in Warner?
A $89,000 home in Warner, Oklahoma costs approximately $928 per month with 20% down at 7.24%. That is $485 principal and interest, $55 property tax, $86 homeowners insurance, $228 utilities and $74 set aside for maintenance.
What is the property tax rate in Warner?
Warner has an effective property tax rate of 0.738%, based on a median home value of $88,900 and median real estate taxes of $656. That is higher than the Muskogee County average of 0.700%.
What is the average home price in Warner?
The median owner-occupied home value in Warner, Oklahoma is $88,900, against $138,800 across Muskogee County.
Is it cheaper to rent or buy in Warner?
Median gross rent in Warner is $756 a month, against $928 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 Warner?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Warner, Oklahoma at today's rate takes a household income of roughly $40,000 a year. That covers the full $928 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Warner, 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.