The median home in Ponca City, Oklahoma is valued at $129,412, up 4.9% year over year. Typical monthly rent is $800, producing a price-to-rent ratio of 13.5x — below the national average of 18x. Ponca City is part of the Ponca City, OK metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$129,412
+4.9%
Rent$800/mo
AFFORDABILITYRenting $201/mo cheaper ($800 rent)6.50% 30yr, 20% down, county tax + OK ins. 28% per HUD.
Enter your income for Ponca City.
$25,882 on $129,412
Affordable — 16% of income
Under the 28% guideline.
PITI$1,001
P/I16%
Afford$226K
Room+$97K
P&I $654Tax $97Ins $250
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Oklahoma
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Full Ponca City, OK analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Ponca City, OK metro.
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