The typical owner-occupied home in Hardesty is worth about $47,600, 76% below the Oklahoma median of $199,800 and 86% below the national median of $332,700. Owners pay a median $523 a year in property taxes, about 1.10% of their home's value, higher than the Oklahoma rate of 0.80%. The median household earns $87,808 a year, so the median home costs 0.5 times the median income (3.1 times for Oklahoma). 66% of occupied homes here are lived in by their owners, and 4% of those owners still have a mortgage.
Hardesty at a glance
| Hardesty | Oklahoma | U.S. | |
|---|---|---|---|
| Median home value | $47,600 | $199,800 | $332,700 |
| Median property tax paid per year | $523 | $1,599 | $3,119 |
| Property tax as a share of value | 1.10% | 0.80% | 0.94% |
| Median household income | $87,808 | $65,039 | $80,734 |
| Homes lived in by their owners | 66% | 66% | 65% |
| Owner homes with a mortgage | 4% | 54% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,539 | $1,963 |
| Median rent | $510 | $1,014 | $1,413 |
| Rent as a share of renters' income | 51.0% | 28.4% | 30.6% |
| Median year homes were built | 1984 | 1980 | 1980 |
| Vacant homes | 21.6% | 12.0% | 10.1% |
| Population | 404 | 4,028,634 | 334,922,499 |
What a typical home costs per month in Hardesty
At this week's average 30-year rate of 7.11%, buying the median Hardesty home of $47,600 with 20% down costs about $320 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $399, 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 $13,699 for the 20%-down payment. That payment is 4% of the median Hardesty household income of $87,808; at that income and 20% down, the 28% guideline points to a home of about $305,000.
The median rent here is $510 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $9,520 |
|---|---|
| Loan amount | $38,080 |
| Principal and interest | $256 |
| Property taxes (1.10% a year) | $44 |
| Homeowners insurance (our estimate, 0.5% a year) | $20 |
| PMI | $0 |
| Total per month | $320 |
Change the numbers in the calculator
| Down payment | $1,666 |
|---|---|
| Loan amount | $46,738 |
| Principal and interest | $314 |
| Property taxes (1.10% a year) | $44 |
| Homeowners insurance (our estimate, 0.5% a year) | $20 |
| FHA mortgage insurance | $21 |
| Total per month | $399 |
Change the numbers in the calculator
Questions about home buying in Hardesty
What is the median home value in Hardesty?
About $47,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Hardesty?
Homeowners pay a median $523 a year, which is about 1.10% 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 Hardesty?
For the median home with 20% down at 7.11%, the payment is about $320 a month. Keeping that under 28% of gross income takes about $13,699 a year.
More about Hardesty
- Mortgage Refinance in Hardesty
- Debt Relief in Hardesty
- Home Equity Loans in Hardesty
- 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