The typical owner-occupied home in Moodys is worth about $400,500, 2.0 times the Oklahoma median of $199,800 and 20% above the national median of $332,700. Owners pay a median $1,049 a year in property taxes, about 0.26% of their home's value, lower than the Oklahoma rate of 0.80%. The median household earns $49,355 a year, so the median home costs 8.1 times the median income (3.1 times for Oklahoma). 74% of occupied homes here are lived in by their owners, and 32% of those owners still have a mortgage.
Moodys at a glance
| Moodys | Oklahoma | U.S. | |
|---|---|---|---|
| Median home value | $400,500 | $199,800 | $332,700 |
| Median property tax paid per year | $1,049 | $1,599 | $3,119 |
| Property tax as a share of value | 0.26% | 0.80% | 0.94% |
| Median household income | $49,355 | $65,039 | $80,734 |
| Homes lived in by their owners | 74% | 66% | 65% |
| Owner homes with a mortgage | 32% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,471 | $1,539 | $1,963 |
| Those costs as a share of the owners' income | 27.5% | 19.6% | 21.0% |
| Median rent | $836 | $1,014 | $1,413 |
| Rent as a share of renters' income | 19.1% | 28.4% | 30.6% |
| Median year homes were built | 1978 | 1980 | 1980 |
| Vacant homes | 8.1% | 12.0% | 10.1% |
| Population | 1,108 | 4,028,634 | 334,922,499 |
What a typical home costs per month in Moodys
At this week's average 30-year rate of 7.11%, buying the median Moodys home of $400,500 with 20% down costs about $2,409 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,076, 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 $103,243 for the 20%-down payment. That payment is 59% of the median Moodys household income of $49,355; at that income and 20% down, the 28% guideline points to a home of about $191,000.
The median rent here is $836 a month, so owning the median home costs about $1,573 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $80,100 |
|---|---|
| Loan amount | $320,400 |
| Principal and interest | $2,155 |
| Property taxes (0.26% a year) | $87 |
| Homeowners insurance (our estimate, 0.5% a year) | $167 |
| PMI | $0 |
| Total per month | $2,409 |
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| Down payment | $14,018 |
|---|---|
| Loan amount | $393,246 |
| Principal and interest | $2,645 |
| Property taxes (0.26% a year) | $87 |
| Homeowners insurance (our estimate, 0.5% a year) | $167 |
| FHA mortgage insurance | $177 |
| Total per month | $3,076 |
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Questions about home buying in Moodys
What is the median home value in Moodys?
About $400,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Moodys?
Homeowners pay a median $1,049 a year, which is about 0.26% 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 Moodys?
For the median home with 20% down at 7.11%, the payment is about $2,409 a month. Keeping that under 28% of gross income takes about $103,243 a year.
More about Moodys
- Mortgage Refinance in Moodys
- Debt Relief in Moodys
- Home Equity Loans in Moodys
- 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