Atoka County, Oklahoma home prices
Typical home $213,742 · +4.2% in a year · property tax 0.55%
The typical home in Atoka County is worth $213,742, 3% less than the Oklahoma typical home ($220,801). Values changed +4.2% in the past year and +41.4% over five years. Homeowners here pay a median 0.55% of their home's value in property tax each year ($1,183 on the typical home), versus 0.76% statewide.
Mortgage on the typical Atoka County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $42,748 | $170,994 | $1,150 | $0 | $205 | $1,356 | $58,100 |
| 10% down | $21,374 | $192,368 | $1,294 | $80 | $205 | $1,580 | $67,700 |
| 5% down | $10,687 | $203,055 | $1,366 | $85 | $205 | $1,656 | $71,000 |
| 3.5% down (FHA) | $7,481 | $209,871 | $1,412 | $95 | $205 | $1,712 | $73,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.55% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Oklahoma.
Oklahoma counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cherokee County | $214,211 | +8.4% | 0.54% |
| Osage County | $217,182 | +5.8% | 0.69% |
| Marshall County | $208,939 | +3.9% | 0.55% |
| Creek County | $218,789 | +5.0% | 0.71% |
| Mayes County | $219,127 | +4.4% | 0.65% |
| Oklahoma County | $221,970 | +0.5% | 0.97% |
| Love County | $201,492 | -1.4% | 0.63% |
| Bryan County | $228,588 | -0.7% | 0.64% |
| Kingfisher County | $230,055 | +1.0% | 0.58% |
| McIntosh County | $194,564 | +3.6% | 0.57% |
Frequently asked questions
What is the average home price in Atoka County, OK?
The typical home value in Atoka County is $213,742 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Atoka County?
About $58,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Atoka County?
The median effective rate is 0.55% of home value a year (Census ACS 2024 5-year estimates).