Harmon County, Oklahoma home prices
Typical home $55,800 · -18.4% in a year · property tax 0.67%
The typical home in Harmon County is worth $55,800, 75% less than the Oklahoma typical home ($220,801). Values changed -18.4% in the past year and -28.8% over five years. Homeowners here pay a median 0.67% of their home's value in property tax each year ($376 on the typical home), versus 0.76% statewide.
Mortgage on the typical Harmon County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $11,160 | $44,640 | $300 | $0 | $59 | $360 | $15,400 |
| 10% down | $5,580 | $50,220 | $338 | $21 | $59 | $418 | $17,900 |
| 5% down | $2,790 | $53,010 | $357 | $22 | $59 | $438 | $18,800 |
| 3.5% down (FHA) | $1,953 | $54,789 | $369 | $25 | $59 | $452 | $19,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.67% 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 |
|---|---|---|---|
| Tillman County | $56,930 | -7.0% | 0.63% |
| Kiowa County | $73,757 | +8.4% | 0.58% |
| Harper County | $73,892 | -0.0% | 0.64% |
| Greer County | $74,128 | -1.2% | 0.5% |
| Cimarron County | $78,197 | -2.1% | 0.4% |
| Alfalfa County | $81,412 | -9.5% | 0.58% |
| Jefferson County | $97,685 | +5.3% | 0.63% |
| Ellis County | $100,841 | +0.7% | 0.74% |
| Blaine County | $101,516 | +0.8% | 0.58% |
| Cotton County | $106,672 | +0.6% | 0.74% |
Frequently asked questions
What is the average home price in Harmon County, OK?
The typical home value in Harmon County is $55,800 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Harmon County?
About $15,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Harmon County?
The median effective rate is 0.67% of home value a year (Census ACS 2024 5-year estimates).