The typical owner-occupied home in Wardville is worth about $338,600, 69% above the Oklahoma median of $199,800 and about the same as the national median of $332,700. The median household earns $83,494 a year, so the median home costs 4.1 times the median income (3.1 times for Oklahoma). 91% of occupied homes here are lived in by their owners, and 9% of those owners still have a mortgage.
Wardville at a glance
| Wardville | Oklahoma | U.S. | |
|---|---|---|---|
| Median home value | $338,600 | $199,800 | $332,700 |
| Median property tax paid per year | – | $1,599 | $3,119 |
| Median household income | $83,494 | $65,039 | $80,734 |
| Homes lived in by their owners | 91% | 66% | 65% |
| Owner homes with a mortgage | 9% | 54% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,539 | $1,963 |
| Median rent | – | $1,014 | $1,413 |
| Median year homes were built | 1984 | 1980 | 1980 |
| Vacant homes | 7.8% | 12.0% | 10.1% |
| Population | 51 | 4,028,634 | 334,922,499 |
What a typical home costs per month in Wardville
At this week's average 30-year rate of 7.11%, buying the median Wardville home of $338,600 with 20% down costs about $2,274 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,838, 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 $97,444 for the 20%-down payment. That payment is 33% of the median Wardville household income of $83,494; at that income and 20% down, the 28% guideline points to a home of about $290,000.
| Down payment | $67,720 |
|---|---|
| Loan amount | $270,880 |
| Principal and interest | $1,822 |
| Property taxes (1.10% a year) | $310 |
| Homeowners insurance (our estimate, 0.5% a year) | $141 |
| PMI | $0 |
| Total per month | $2,274 |
Change the numbers in the calculator
| Down payment | $11,851 |
|---|---|
| Loan amount | $332,467 |
| Principal and interest | $2,237 |
| Property taxes (1.10% a year) | $310 |
| Homeowners insurance (our estimate, 0.5% a year) | $141 |
| FHA mortgage insurance | $150 |
| Total per month | $2,838 |
Change the numbers in the calculator
Questions about home buying in Wardville
What is the median home value in Wardville?
About $338,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Wardville?
For the median home with 20% down at 7.11%, the payment is about $2,274 a month. Keeping that under 28% of gross income takes about $97,444 a year.
More about Wardville
- Mortgage Refinance in Wardville
- Debt Relief in Wardville
- Home Equity Loans in Wardville
- 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