The typical owner-occupied home in Wagoner County is worth about $234,800, 18% above the Oklahoma median of $199,800 and 29% below the national median of $332,700. Owners pay a median $1,858 a year in property taxes, about 0.79% of their home's value, close to the Oklahoma rate of 0.80%. The median household earns $81,207 a year, so the median home costs 2.9 times the median income (3.1 times for Oklahoma). 81% of occupied homes here are lived in by their owners, and 63% of those owners still have a mortgage.
Wagoner County at a glance
| Wagoner County | Oklahoma | U.S. | |
|---|---|---|---|
| Median home value | $234,800 | $199,800 | $332,700 |
| Median property tax paid per year | $1,858 | $1,599 | $3,119 |
| Property tax as a share of value | 0.79% | 0.80% | 0.94% |
| Median household income | $81,207 | $65,039 | $80,734 |
| Homes lived in by their owners | 81% | 66% | 65% |
| Owner homes with a mortgage | 63% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,568 | $1,539 | $1,963 |
| Those costs as a share of the owners' income | 19.6% | 19.6% | 21.0% |
| Median rent | $1,068 | $1,014 | $1,413 |
| Rent as a share of renters' income | 26.9% | 28.4% | 30.6% |
| Median year homes were built | 1995 | 1980 | 1980 |
| Vacant homes | 8.2% | 12.0% | 10.1% |
| Population | 86,609 | 4,028,634 | 334,922,499 |
What a typical home costs per month in Wagoner County
At this week's average 30-year rate of 7.11%, buying the median Wagoner County home of $234,800 with 20% down costs about $1,516 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,907, 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 $64,972 for the 20%-down payment. That payment is 22% of the median Wagoner County household income of $81,207; at that income and 20% down, the 28% guideline points to a home of about $293,000.
The median rent here is $1,068 a month, so owning the median home costs about $448 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $46,960 |
|---|---|
| Loan amount | $187,840 |
| Principal and interest | $1,264 |
| Property taxes (0.79% a year) | $155 |
| Homeowners insurance (our estimate, 0.5% a year) | $98 |
| PMI | $0 |
| Total per month | $1,516 |
Change the numbers in the calculator
| Down payment | $8,218 |
|---|---|
| Loan amount | $230,547 |
| Principal and interest | $1,551 |
| Property taxes (0.79% a year) | $155 |
| Homeowners insurance (our estimate, 0.5% a year) | $98 |
| FHA mortgage insurance | $104 |
| Total per month | $1,907 |
Change the numbers in the calculator
Questions about home buying in Wagoner County
What is the median home value in Wagoner County?
About $234,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Wagoner County?
Homeowners pay a median $1,858 a year, which is about 0.79% 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 Wagoner County?
For the median home with 20% down at 7.11%, the payment is about $1,516 a month. Keeping that under 28% of gross income takes about $64,972 a year.
More about Wagoner County
- Mortgage Refinance in Wagoner County
- Debt Relief in Wagoner County
- Home Equity Loans in Wagoner 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