Side-by-side comparison of home prices, mortgage payments, and housing costs between Muskogee and Stillwater, Oklahoma. Using Oklahoma's 0.88% property tax rate and $3,600/year insurance. Updated for 2026.
Muskogee is significantly more affordable than Stillwater, with homes priced 42% lower on average. That translates to $611/month in savings on your total housing payment. For budget-conscious buyers in Oklahoma, Muskogee offers a much more accessible path to homeownership.
Estimated PITI payments assuming 10% down, 6.5% rate, 30-year fixed mortgage with PMI. Uses Oklahoma's 0.88% property tax rate.
Buying in Muskogee saves you approximately $611/month ($7,332/year) compared to Stillwater, based on median home prices with identical loan terms.
Muskogee is the better choice for first-time buyers, with a median price of $125K versus $215K in Stillwater. That's $90K less to save for a down payment. You'd need roughly $4K for an FHA 3.5% down payment in Muskogee, compared to $8K in Stillwater. Oklahoma offers the OHFA Homebuyer DPA program (Up to 3.5% DPA) which applies in both cities.
Muskogee has the better price-to-rent ratio at 13.9x versus 18.3x in Stillwater. A lower ratio generally signals better rental income relative to purchase price. Average rent in Muskogee is $750/month on a $125K median home, making it a stronger candidate for buy-and-rent investors.
Stillwater (pop. 50,350) offers more amenities, schools, and services typical of a larger city, while Muskogee (pop. 36,542) may offer a quieter, more community-oriented lifestyle. Families on a budget may prefer Muskogee, where lower housing costs free up more income for childcare, education, and savings.