The typical owner-occupied home in Atoka County is worth about $157,600, 21% below the Oklahoma median of $199,800 and 53% below the national median of $332,700. Owners pay a median $872 a year in property taxes, about 0.55% of their home's value, lower than the Oklahoma rate of 0.80%. The median household earns $54,785 a year, so the median home costs 2.9 times the median income (3.1 times for Oklahoma). 74% of occupied homes here are lived in by their owners, and 37% of those owners still have a mortgage.
Atoka County at a glance
| Atoka County | Oklahoma | U.S. | |
|---|---|---|---|
| Median home value | $157,600 | $199,800 | $332,700 |
| Median property tax paid per year | $872 | $1,599 | $3,119 |
| Property tax as a share of value | 0.55% | 0.80% | 0.94% |
| Median household income | $54,785 | $65,039 | $80,734 |
| Homes lived in by their owners | 74% | 66% | 65% |
| Owner homes with a mortgage | 37% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,350 | $1,539 | $1,963 |
| Those costs as a share of the owners' income | 20.6% | 19.6% | 21.0% |
| Median rent | $708 | $1,014 | $1,413 |
| Rent as a share of renters' income | 25.4% | 28.4% | 30.6% |
| Median year homes were built | 1984 | 1980 | 1980 |
| Vacant homes | 17.1% | 12.0% | 10.1% |
| Population | 14,379 | 4,028,634 | 334,922,499 |
What a typical home costs per month in Atoka County
At this week's average 30-year rate of 7.11%, buying the median Atoka County home of $157,600 with 20% down costs about $986 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,249, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $42,259 for the 20%-down payment. That payment is 22% of the median Atoka County household income of $54,785; at that income and 20% down, the 28% guideline points to a home of about $204,000.
The median rent here is $708 a month, so owning the median home costs about $278 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $31,520 |
|---|---|
| Loan amount | $126,080 |
| Principal and interest | $848 |
| Property taxes (0.55% a year) | $72 |
| Homeowners insurance (our estimate, 0.5% a year) | $66 |
| PMI | $0 |
| Total per month | $986 |
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| Down payment | $5,516 |
|---|---|
| Loan amount | $154,745 |
| Principal and interest | $1,041 |
| Property taxes (0.55% a year) | $72 |
| Homeowners insurance (our estimate, 0.5% a year) | $66 |
| FHA mortgage insurance | $70 |
| Total per month | $1,249 |
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Questions about home buying in Atoka County
What is the median home value in Atoka County?
About $157,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Atoka County?
Homeowners pay a median $872 a year, which is about 0.55% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Atoka County?
For the median home with 20% down at 7.11%, the payment is about $986 a month. Keeping that under 28% of gross income takes about $42,259 a year.
More about Atoka County
- Mortgage Refinance in Atoka County
- Debt Relief in Atoka County
- Home Equity Loans in Atoka County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data