Mortgage payment estimates, closing cost breakdowns, and homebuying data for Stillwater, Oklahoma.
Pre-filled with Stillwater median home price and Oklahoma tax/insurance rates. Adjust for your property.
Estimated closing costs based on Oklahoma rates and fees applied to Stillwater prices.
The median home price in Stillwater is $215,000, roughly in line with the Oklahoma state median of $210,000. With a population of 50,350, Stillwater is a smaller market where home prices reflect strong demand and local economic factors.
Property taxes in Oklahoma average 0.88% annually. This moderate property tax rate means a $215,000 home in Stillwater would carry roughly $158/month in property taxes. Homeowners insurance in Oklahoma runs approximately $3,600 per year. Insurance costs are notably high — factor this into your monthly budget.
Average rent in Stillwater is $980/month. The price-to-rent ratio in Stillwater is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
Stillwater offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Oklahoma's OHFA Homebuyer DPA program.