Income needed to buy a home
Osage County, OK
$73,449
a year in household income to buy the typical Osage County home with 10% down.
The monthly math
Typical home value$223,183
Down payment (10%)$22,318
Loan$200,865
Principal and interest (7.40%)$1,391/mo
Property tax (0.69% a year)$128/mo
Homeowners insurance (estimate)$112/mo
Mortgage insurance$84/mo
Total monthly cost$1,714/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
A stretch
The typical household here earns $62,847 a year, 86% of what it takes.
In Oklahoma
Osage County ranks #64 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 |
| Kiowa County | $74,716 | $24,391 |
| Cimarron County | $76,566 | $24,727 |
| Harper County | $75,609 | $24,915 |
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.