McClain County, Oklahoma home prices
Typical home $285,440 · +0.8% in a year · property tax 0.79%
The typical home in McClain County is worth $285,440, 29% more than the Oklahoma typical home ($220,801). Values changed +0.8% in the past year and +21.2% over five years. Homeowners here pay a median 0.79% of their home's value in property tax each year ($2,257 on the typical home), versus 0.76% statewide.
Mortgage on the typical McClain County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $57,088 | $228,352 | $1,536 | $0 | $331 | $1,867 | $80,000 |
| 10% down | $28,544 | $256,896 | $1,728 | $107 | $331 | $2,166 | $92,800 |
| 5% down | $14,272 | $271,168 | $1,824 | $113 | $331 | $2,268 | $97,200 |
| 3.5% down (FHA) | $9,990 | $280,270 | $1,885 | $126 | $331 | $2,342 | $100,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.79% 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 Oklahoma City metro area.
Oklahoma counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Rogers County | $284,951 | +3.3% | 0.75% |
| Wagoner County | $283,777 | +2.7% | 0.79% |
| Canadian County | $271,039 | +1.1% | 0.97% |
| Delaware County | $300,963 | +4.0% | 0.6% |
| Logan County | $315,309 | +1.1% | 0.78% |
| Cleveland County | $251,085 | +0.6% | 1% |
| Tulsa County | $250,892 | +2.8% | 0.97% |
| Grady County | $244,386 | +4.5% | 0.68% |
| Payne County | $242,024 | +4.1% | 0.85% |
| Kingfisher County | $230,055 | +1.0% | 0.58% |
Frequently asked questions
What is the average home price in McClain County, OK?
The typical home value in McClain County is $285,440 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in McClain County?
About $80,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in McClain County?
The median effective rate is 0.79% of home value a year (Census ACS 2024 5-year estimates).