Income needed to buy a home
Harmon County, OK
$19,889
a year in household income to buy the typical Harmon County home with 10% down.
The monthly math
Typical home value$60,375
Down payment (10%)$6,038
Loan$54,338
Principal and interest (7.40%)$376/mo
Property tax (0.7% a year)$35/mo
Homeowners insurance (estimate)$30/mo
Mortgage insurance$23/mo
Total monthly cost$464/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Room to spare
The typical household here earns $43,333 a year, 118% more than it takes.
In Oklahoma
Harmon County ranks #2 of 77 for the income a home takes, from least to most.
Easiest to afford in Oklahoma
| County | Typical home | Income needed |
|---|---|---|
| Tillman County | $57,791 | $18,955 |
| Kiowa County | $74,716 | $24,391 |
| Cimarron County | $76,566 | $24,727 |
| Harper County | $75,609 | $24,915 |
| Greer County | $77,893 | $25,000 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.