Total monthly cost of ownership
Cost to Own a Home in Waukomis, Oklahoma
A $123,000 home here costs
$1,101per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $632. The real number is $469 higher every month — 74% 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.
Waukomis against Garfield County and Oklahoma
| Measure | Waukomis | Garfield County |
|---|---|---|
| Median home value | $123,300 | $149,800 |
| Median property tax | $705 | $1,331 |
| Effective tax rate | 0.572% | 0.889% |
| Median gross rent | $469 | $915 |
| Population | 1,070 | 62,322 |
The weather behind that power bill
Waukomis sits in Garfield County, which averages a high of 94.8°F in its hottest month and a low of 24.7°F in its coldest, with 33.29" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 2,022 cooling and 3,976 heating degree days, which is what sets the $120 electricity line above.
See the full climate breakdown for Garfield County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Garfield County
Full Garfield County cost breakdown · Every county in Oklahoma
Common questions
How much does it cost to own a home in Waukomis?
A $123,000 home in Waukomis, Oklahoma costs approximately $1,101 per month with 20% down at 6.66%. That is $632 principal and interest, $59 property tax, $119 homeowners insurance, $188 utilities and $103 set aside for maintenance.
What is the property tax rate in Waukomis?
Waukomis has an effective property tax rate of 0.572%, based on a median home value of $123,300 and median real estate taxes of $705. That is lower than the Garfield County average of 0.889%.
What is the average home price in Waukomis?
The median owner-occupied home value in Waukomis, Oklahoma is $123,300, against $149,800 across Garfield County.
Is it cheaper to rent or buy in Waukomis?
Median gross rent in Waukomis is $469 a month, against $1,101 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 Waukomis — 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.