The typical owner-occupied home in Kiowa County is worth about $96,100, 52% below the Oklahoma median of $199,800 and 71% below the national median of $332,700. Owners pay a median $560 a year in property taxes, about 0.58% of their home's value, lower than the Oklahoma rate of 0.80%. The median household earns $44,962 a year, so the median home costs 2.1 times the median income (3.1 times for Oklahoma). 70% of occupied homes here are lived in by their owners, and 36% of those owners still have a mortgage.
Kiowa County at a glance
| Kiowa County | Oklahoma | U.S. | |
|---|---|---|---|
| Median home value | $96,100 | $199,800 | $332,700 |
| Median property tax paid per year | $560 | $1,599 | $3,119 |
| Property tax as a share of value | 0.58% | 0.80% | 0.94% |
| Median household income | $44,962 | $65,039 | $80,734 |
| Homes lived in by their owners | 70% | 66% | 65% |
| Owner homes with a mortgage | 36% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,149 | $1,539 | $1,963 |
| Those costs as a share of the owners' income | 16.9% | 19.6% | 21.0% |
| Median rent | $780 | $1,014 | $1,413 |
| Rent as a share of renters' income | 35.6% | 28.4% | 30.6% |
| Median year homes were built | 1962 | 1980 | 1980 |
| Vacant homes | 26.3% | 12.0% | 10.1% |
| Population | 8,383 | 4,028,634 | 334,922,499 |
What a typical home costs per month in Kiowa County
At this week's average 30-year rate of 7.11%, buying the median Kiowa County home of $96,100 with 20% down costs about $604 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $764, 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 $25,872 for the 20%-down payment. That payment is 16% of the median Kiowa County household income of $44,962; at that income and 20% down, the 28% guideline points to a home of about $167,000.
The median rent here is $780 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $19,220 |
|---|---|
| Loan amount | $76,880 |
| Principal and interest | $517 |
| Property taxes (0.58% a year) | $46 |
| Homeowners insurance (our estimate, 0.5% a year) | $40 |
| PMI | $0 |
| Total per month | $604 |
Change the numbers in the calculator
| Down payment | $3,364 |
|---|---|
| Loan amount | $94,359 |
| Principal and interest | $635 |
| Property taxes (0.58% a year) | $46 |
| Homeowners insurance (our estimate, 0.5% a year) | $40 |
| FHA mortgage insurance | $42 |
| Total per month | $764 |
Change the numbers in the calculator
Questions about home buying in Kiowa County
What is the median home value in Kiowa County?
About $96,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kiowa County?
Homeowners pay a median $560 a year, which is about 0.58% 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 Kiowa County?
For the median home with 20% down at 7.11%, the payment is about $604 a month. Keeping that under 28% of gross income takes about $25,872 a year.
More about Kiowa County
- Mortgage Refinance in Kiowa County
- Debt Relief in Kiowa County
- Home Equity Loans in Kiowa 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