Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Oklahoma
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Oklahoma ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Tillman County | $392 | $71,900 | 0.663% |
| 2 | Harmon County | $403 | $75,700 | 0.697% |
| 3 | Jefferson County | $405 | $77,500 | 0.661% |
| 4 | Grant County | $406 | $79,500 | 0.604% |
| 5 | Cimarron County | $425 | $94,500 | 0.408% |
| 6 | Kiowa County | $429 | $90,300 | 0.573% |
| 7 | Seminole County | $433 | $91,200 | 0.605% |
| 8 | Coal County | $435 | $92,500 | 0.584% |
| 9 | Hughes County | $442 | $94,900 | 0.611% |
| 10 | Latimer County | $453 | $103,300 | 0.515% |
| 11 | Harper County | $457 | $99,300 | 0.668% |
| 12 | Greer County | $459 | $103,600 | 0.569% |
| 13 | Alfalfa County | $463 | $103,000 | 0.630% |
| 14 | Adair County | $468 | $111,500 | 0.475% |
| 15 | Okfuskee County | $469 | $110,800 | 0.498% |
| 16 | Caddo County | $473 | $109,900 | 0.571% |
| 17 | Johnston County | $474 | $110,700 | 0.555% |
| 18 | Pushmataha County | $474 | $116,800 | 0.414% |
| 19 | Washita County | $478 | $113,300 | 0.542% |
| 20 | Choctaw County | $480 | $119,700 | 0.419% |
| 21 | Cotton County | $486 | $113,200 | 0.629% |
| 22 | Ottawa County | $488 | $114,300 | 0.619% |
| 23 | Haskell County | $490 | $122,300 | 0.455% |
| 24 | McCurtain County | $492 | $126,100 | 0.400% |
| 25 | Okmulgee County | $495 | $114,600 | 0.688% |
| 26 | Dewey County | $495 | $118,200 | 0.603% |
| 27 | Kay County | $500 | $116,800 | 0.684% |
| 28 | Le Flore County | $508 | $121,600 | 0.653% |
| 29 | Blaine County | $509 | $126,200 | 0.556% |
| 30 | Beaver County | $510 | $117,900 | 0.761% |
| 31 | Sequoyah County | $513 | $127,500 | 0.567% |
| 32 | Nowata County | $514 | $121,900 | 0.705% |
| 33 | Ellis County | $520 | $122,500 | 0.748% |
| 34 | Pawnee County | $522 | $125,700 | 0.695% |
| 35 | Garvin County | $524 | $132,600 | 0.566% |
| 36 | Craig County | $527 | $132,900 | 0.583% |
| 37 | McIntosh County | $534 | $135,800 | 0.587% |
| 38 | Major County | $535 | $134,700 | 0.615% |
| 39 | Atoka County | $536 | $138,000 | 0.556% |
| 40 | Woods County | $540 | $141,900 | 0.515% |
| 41 | Marshall County | $543 | $139,700 | 0.590% |
| 42 | Stephens County | $546 | $135,100 | 0.711% |
| 43 | Pittsburg County | $550 | $146,300 | 0.517% |
| 44 | Muskogee County | $554 | $138,800 | 0.700% |
| 45 | Murray County | $557 | $154,900 | 0.429% |
| 46 | Roger Mills County | $559 | $152,600 | 0.479% |
| 47 | Jackson County | $561 | $145,000 | 0.633% |
| 48 | Lincoln County | $565 | $152,000 | 0.535% |
| 49 | Noble County | $575 | $142,600 | 0.803% |
| 50 | Cherokee County | $587 | $160,300 | 0.565% |
| 51 | Pottawatomie County | $588 | $155,700 | 0.651% |
| 52 | Texas County | $593 | $155,600 | 0.691% |
| 53 | Carter County | $598 | $153,500 | 0.772% |
| 54 | Beckham County | $601 | $153,400 | 0.792% |
| 55 | Delaware County | $601 | $164,900 | 0.589% |
| 56 | Garfield County | $604 | $149,800 | 0.889% |
| 57 | Bryan County | $605 | $163,700 | 0.635% |
| 58 | Love County | $614 | $167,500 | 0.636% |
| 59 | Comanche County | $616 | $154,300 | 0.898% |
| 60 | Pontotoc County | $619 | $170,500 | 0.626% |
| 61 | Mayes County | $629 | $171,900 | 0.671% |
| 62 | Woodward County | $636 | $178,000 | 0.621% |
| 63 | Creek County | $636 | $170,900 | 0.738% |
| 64 | Osage County | $638 | $172,300 | 0.727% |
| 65 | Washington County | $638 | $160,900 | 0.935% |
| 66 | Custer County | $642 | $177,000 | 0.676% |
| 67 | Grady County | $672 | $187,900 | 0.703% |
| 68 | Kingfisher County | $690 | $206,400 | 0.552% |
| 69 | Wagoner County | $758 | $216,000 | 0.812% |
| 70 | Oklahoma County | $768 | $207,800 | 0.984% |
| 71 | Rogers County | $768 | $222,200 | 0.783% |
| 72 | Payne County | $772 | $217,700 | 0.865% |
| 73 | Tulsa County | $788 | $213,500 | 1.012% |
| 74 | Logan County | $794 | $234,300 | 0.763% |
| 75 | McClain County | $800 | $233,900 | 0.799% |
| 76 | Cleveland County | $815 | $222,800 | 1.027% |
| 77 | Canadian County | $826 | $230,300 | 0.981% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Oklahoma