Ponca City, OK home prices
Typical home $116,038 · +4.3% in a year · income needed $32,000
The Ponca City, OK metro area ranks 870 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.3% in a year and +17.1% over five years. With 20% down at 7.11%, the typical home costs about $746 a month including 0.66% property tax (Kay County rate).
Mortgage on the typical Ponca City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $23,208 | $92,830 | $624 | $0 | $122 | $746 | $32,000 |
| 10% down | $11,604 | $104,434 | $703 | $44 | $122 | $868 | $37,200 |
| 5% down | $5,802 | $110,236 | $742 | $46 | $122 | $909 | $39,000 |
| 3.5% down (FHA) | $4,061 | $113,936 | $766 | $51 | $122 | $939 | $40,300 |
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.
Counties in the Ponca City area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Kay County, OK | $115,975 | +4.3% | 0.66% |
What can you afford in Oklahoma on your salary? · Oklahoma home prices · Salaries in Oklahoma
Frequently asked questions
How much is a house in Ponca City?
The typical home in the Ponca City, OK metro area is worth $116,038 (Zillow, September 2026).
What salary do you need to buy a house in Ponca City?
About $32,000 a year for the typical home with 20% down at 7.11%.