Stillwater, OK home prices
Typical home $241,954 · +4.1% in a year · income needed $68,400
The Stillwater, OK metro area ranks 485 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.1% in a year and +25.0% over five years. With 20% down at 7.11%, the typical home costs about $1,595 a month including 0.85% property tax (Payne County rate).
Mortgage on the typical Stillwater home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $48,391 | $193,563 | $1,302 | $0 | $293 | $1,595 | $68,400 |
| 10% down | $24,195 | $217,758 | $1,465 | $91 | $293 | $1,848 | $79,200 |
| 5% down | $12,098 | $229,856 | $1,546 | $96 | $293 | $1,935 | $82,900 |
| 3.5% down (FHA) | $8,468 | $237,571 | $1,598 | $107 | $293 | $1,998 | $85,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.85% 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 Stillwater area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Payne County, OK | $242,024 | +4.1% | 0.85% |
What can you afford in Oklahoma on your salary? · Oklahoma home prices · Salaries in Oklahoma
Frequently asked questions
How much is a house in Stillwater?
The typical home in the Stillwater, OK metro area is worth $241,954 (Zillow, September 2026).
What salary do you need to buy a house in Stillwater?
About $68,400 a year for the typical home with 20% down at 7.11%.