Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Montana and Oklahoma. Updated for 2026.
Metric
Montana
Oklahoma
Median Home Price
$430K
$210K
Property Tax Rate
0.74%
0.88%
Avg Closing Costs
$6K
$3K
Closing Cost %
1.5%
1.3%
Transfer Tax
None
0.075%
Homeowners Insurance
$2,100/yr
$3,600/yr
First-Time Buyer Program
MBOH Regular Bond Program
Up to $15,000 DPA
OHFA Homebuyer DPA
Up to 3.5% DPA
Verdict
Montana and Oklahoma are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.