Pontotoc County, Oklahoma home prices
Typical home $191,508 · +6.4% in a year · property tax 0.65%
The typical home in Pontotoc County is worth $191,508, 13% less than the Oklahoma typical home ($220,801). Values changed +6.4% in the past year and +25.5% over five years. Homeowners here pay a median 0.65% of their home's value in property tax each year ($1,239 on the typical home), versus 0.76% statewide.
Mortgage on the typical Pontotoc County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $38,302 | $153,206 | $1,031 | $0 | $199 | $1,230 | $52,700 |
| 10% down | $19,151 | $172,357 | $1,159 | $72 | $199 | $1,430 | $61,300 |
| 5% down | $9,575 | $181,933 | $1,224 | $76 | $199 | $1,499 | $64,200 |
| 3.5% down (FHA) | $6,703 | $188,039 | $1,265 | $85 | $199 | $1,549 | $66,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.65% 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 Ada metro area.
Oklahoma counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Craig County | $192,296 | +3.9% | 0.55% |
| Pottawatomie County | $192,696 | +3.6% | 0.66% |
| Sequoyah County | $189,021 | +4.7% | 0.55% |
| McCurtain County | $194,518 | +2.4% | 0.37% |
| McIntosh County | $194,564 | +3.6% | 0.57% |
| Lincoln County | $186,940 | +3.4% | 0.56% |
| Roger Mills County | $186,797 | +5.8% | 0.46% |
| Washington County | $185,331 | +5.4% | 0.9% |
| Love County | $201,492 | -1.4% | 0.63% |
| Carter County | $179,084 | +1.0% | 0.74% |
Frequently asked questions
What is the average home price in Pontotoc County, OK?
The typical home value in Pontotoc County is $191,508 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Pontotoc County?
About $52,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Pontotoc County?
The median effective rate is 0.65% of home value a year (Census ACS 2024 5-year estimates).