Mortgage Calculator & Closing Costs: Bartlesville, OK
Mortgage payment estimates, closing cost breakdowns, and homebuying data for Bartlesville, Oklahoma.
Median Home Price
$165K
Population
36K
Avg Monthly Rent
$850
Property Tax Rate
0.88% *
* Property tax shown is the Oklahoma state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Bartlesville.
Bartlesville vs Oklahoma Median
The median home price in Bartlesville is $165,000, which is 21% below the Oklahoma state median of $210,000.
Mortgage Calculator — Bartlesville, OK
Pre-filled with Bartlesville median home price and Oklahoma tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $165K home using Oklahoma's 0.88% tax rate and $3,600/yr insurance.
5% Down
$1,503/mo
Down: $8,250
Loan: $157K
P&I: $991
Tax: $121
Insurance: $300
PMI: $91
10% Down
$1,446/mo
Down: $16,500
Loan: $149K
P&I: $939
Tax: $121
Insurance: $300
PMI: $87
20% Down (No PMI)
$1,255/mo
Down: $33,000
Loan: $132K
P&I: $834
Tax: $121
Insurance: $300
Income needed (28% rule): $54K/year with 20% down, $62K/year with 10% down.
Rent vs Buy in Bartlesville
Rent
$850/mo
vs
Buy (10% down)
$1,446/mo
Price-to-rent ratio: 16.2 — A ratio between 15-20 means the rent vs buy decision in Bartlesville depends heavily on your timeline. If you plan to stay 5+ years, buying likely wins. For shorter stays, renting preserves flexibility.
The median home price in Bartlesville is $165,000, 21% below the Oklahoma state median of $210,000. With a population of 36,495, Bartlesville is a smaller market where home prices tend to be more accessible than in many parts of Oklahoma.
Property taxes in Oklahoma average 0.88% annually. This moderate property tax rate means a $165,000 home in Bartlesville would carry roughly $121/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 Bartlesville is $850/month. The price-to-rent ratio in Bartlesville is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
Bartlesville 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.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Bartlesville.