Income needed to buy a home
Kiowa County, OK
$24,391
a year in household income to buy the typical Kiowa County home with 10% down.
The monthly math
Typical home value$74,716
Down payment (10%)$7,472
Loan$67,244
Principal and interest (7.40%)$466/mo
Property tax (0.61% a year)$38/mo
Homeowners insurance (estimate)$37/mo
Mortgage insurance$28/mo
Total monthly cost$569/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Comfortable
The typical household here earns $44,962 a year, 84% more than it takes.
In Oklahoma
Kiowa County ranks #3 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 |
| Harmon County | $60,375 | $19,889 |
| 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.