Garvin County, Oklahoma home prices
Typical home $149,701 · +3.7% in a year · property tax 0.55%
The typical home in Garvin County is worth $149,701, 32% less than the Oklahoma typical home ($220,801). Values changed +3.7% in the past year and +33.3% over five years. Homeowners here pay a median 0.55% of their home's value in property tax each year ($829 on the typical home), versus 0.76% statewide.
Mortgage on the typical Garvin County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $29,940 | $119,761 | $806 | $0 | $144 | $950 | $40,700 |
| 10% down | $14,970 | $134,731 | $906 | $56 | $144 | $1,106 | $47,400 |
| 5% down | $7,485 | $142,216 | $957 | $59 | $144 | $1,160 | $49,700 |
| 3.5% down (FHA) | $5,240 | $146,990 | $989 | $66 | $144 | $1,199 | $51,400 |
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 |
|---|---|---|---|
| Pittsburg County | $150,091 | +3.1% | 0.5% |
| Beckham County | $150,710 | +5.3% | 0.84% |
| Okfuskee County | $146,418 | +8.0% | 0.48% |
| Muskogee County | $153,077 | +3.5% | 0.67% |
| Haskell County | $155,167 | -0.4% | 0.43% |
| Choctaw County | $144,011 | +2.9% | 0.41% |
| Pushmataha County | $156,493 | +3.2% | 0.39% |
| Latimer County | $142,021 | +0.5% | 0.53% |
| Ottawa County | $140,960 | +7.1% | 0.62% |
| Garfield County | $140,570 | +2.7% | 0.87% |
Frequently asked questions
What is the average home price in Garvin County, OK?
The typical home value in Garvin County is $149,701 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Garvin County?
About $40,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Garvin County?
The median effective rate is 0.55% of home value a year (Census ACS 2024 5-year estimates).