Kay County, Oklahoma home prices
Typical home $115,975 · +4.3% in a year · property tax 0.66%
The typical home in Kay County is worth $115,975, 47% less than the Oklahoma typical home ($220,801). Values changed +4.3% in the past year and +17.1% over five years. Homeowners here pay a median 0.66% of their home's value in property tax each year ($764 on the typical home), versus 0.76% statewide.
Mortgage on the typical Kay County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $23,195 | $92,780 | $624 | $0 | $122 | $746 | $32,000 |
| 10% down | $11,597 | $104,377 | $702 | $43 | $122 | $867 | $37,200 |
| 5% down | $5,799 | $110,176 | $741 | $46 | $122 | $909 | $38,900 |
| 3.5% down (FHA) | $4,059 | $113,874 | $766 | $51 | $122 | $939 | $40,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.66% 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 · part of the Ponca City metro area.
Oklahoma counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Woods County | $115,954 | +6.9% | 0.58% |
| Jackson County | $114,643 | +3.6% | 0.59% |
| Hughes County | $113,391 | +5.6% | 0.6% |
| Grant County | $112,269 | +5.0% | 0.49% |
| Coal County | $123,291 | +0.9% | 0.53% |
| Seminole County | $123,418 | +8.1% | 0.62% |
| Washita County | $107,292 | +2.7% | 0.52% |
| Caddo County | $107,084 | +6.0% | 0.54% |
| Cotton County | $106,672 | +0.6% | 0.74% |
| Blaine County | $101,516 | +0.8% | 0.58% |
Frequently asked questions
What is the average home price in Kay County, OK?
The typical home value in Kay County is $115,975 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Kay County?
About $32,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Kay County?
The median effective rate is 0.66% of home value a year (Census ACS 2024 5-year estimates).