Income needed to buy a home
Pontotoc County, OK
$62,885
a year in household income to buy the typical Pontotoc County home with 10% down.
The monthly math
Typical home value$192,989
Down payment (10%)$19,299
Loan$173,690
Principal and interest (7.40%)$1,203/mo
Property tax (0.6% a year)$96/mo
Homeowners insurance (estimate)$96/mo
Mortgage insurance$72/mo
Total monthly cost$1,467/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Right at the edge
The typical household here earns $63,017 a year, 0% more than it takes.
In Oklahoma
Pontotoc County ranks #52 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.