Harper County, Oklahoma home prices
Typical home $73,892 · -0.0% in a year · property tax 0.64%
The typical home in Harper County is worth $73,892, 67% less than the Oklahoma typical home ($220,801). Values changed -0.0% in the past year and +13.7% over five years. Homeowners here pay a median 0.64% of their home's value in property tax each year ($472 on the typical home), versus 0.76% statewide.
Mortgage on the typical Harper County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $14,778 | $59,114 | $398 | $0 | $76 | $474 | $20,300 |
| 10% down | $7,389 | $66,503 | $447 | $28 | $76 | $551 | $23,600 |
| 5% down | $3,695 | $70,198 | $472 | $29 | $76 | $578 | $24,800 |
| 3.5% down (FHA) | $2,586 | $72,554 | $488 | $33 | $76 | $597 | $25,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.64% 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 |
|---|---|---|---|
| Kiowa County | $73,757 | +8.4% | 0.58% |
| Greer County | $74,128 | -1.2% | 0.5% |
| Cimarron County | $78,197 | -2.1% | 0.4% |
| Alfalfa County | $81,412 | -9.5% | 0.58% |
| Tillman County | $56,930 | -7.0% | 0.63% |
| Harmon County | $55,800 | -18.4% | 0.67% |
| 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 Harper County, OK?
The typical home value in Harper County is $73,892 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Harper County?
About $20,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Harper County?
The median effective rate is 0.64% of home value a year (Census ACS 2024 5-year estimates).