The typical owner-occupied home in Fort Gibson is worth about $181,100, 9% below the Oklahoma median of $199,800 and 46% below the national median of $332,700. Owners pay a median $1,358 a year in property taxes, about 0.75% of their home's value, lower than the Oklahoma rate of 0.80%. The median household earns $68,378 a year, so the median home costs 2.6 times the median income (3.1 times for Oklahoma). 71% of occupied homes here are lived in by their owners, and 68% of those owners still have a mortgage.
Fort Gibson at a glance
| Fort Gibson | Oklahoma | U.S. | |
|---|---|---|---|
| Median home value | $181,100 | $199,800 | $332,700 |
| Median property tax paid per year | $1,358 | $1,599 | $3,119 |
| Property tax as a share of value | 0.75% | 0.80% | 0.94% |
| Median household income | $68,378 | $65,039 | $80,734 |
| Homes lived in by their owners | 71% | 66% | 65% |
| Owner homes with a mortgage | 68% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,372 | $1,539 | $1,963 |
| Those costs as a share of the owners' income | 19.5% | 19.6% | 21.0% |
| Median rent | $739 | $1,014 | $1,413 |
| Rent as a share of renters' income | 45.6% | 28.4% | 30.6% |
| Median year homes were built | 1986 | 1980 | 1980 |
| Vacant homes | 11.5% | 12.0% | 10.1% |
| Population | 3,808 | 4,028,634 | 334,922,499 |
What a typical home costs per month in Fort Gibson
At this week's average 30-year rate of 7.11%, buying the median Fort Gibson home of $181,100 with 20% down costs about $1,163 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,465, 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 $49,854 for the 20%-down payment. That payment is 20% of the median Fort Gibson household income of $68,378; at that income and 20% down, the 28% guideline points to a home of about $248,000.
The median rent here is $739 a month, so owning the median home costs about $424 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $36,220 |
|---|---|
| Loan amount | $144,880 |
| Principal and interest | $975 |
| Property taxes (0.75% a year) | $113 |
| Homeowners insurance (our estimate, 0.5% a year) | $75 |
| PMI | $0 |
| Total per month | $1,163 |
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| Down payment | $6,338 |
|---|---|
| Loan amount | $177,820 |
| Principal and interest | $1,196 |
| Property taxes (0.75% a year) | $113 |
| Homeowners insurance (our estimate, 0.5% a year) | $75 |
| FHA mortgage insurance | $80 |
| Total per month | $1,465 |
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Questions about home buying in Fort Gibson
What is the median home value in Fort Gibson?
About $181,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Fort Gibson?
Homeowners pay a median $1,358 a year, which is about 0.75% 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 Fort Gibson?
For the median home with 20% down at 7.11%, the payment is about $1,163 a month. Keeping that under 28% of gross income takes about $49,854 a year.
More about Fort Gibson
- Mortgage Refinance in Fort Gibson
- Debt Relief in Fort Gibson
- Home Equity Loans in Fort Gibson
- 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