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.

Home Value$129,412

+4.9%

Rent$800/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Ponca City.

Income (annual)

Down Payment

$25,882 on $129,412

Example: $75,000 household income. Change it above to see your own.

Affordable16% of income

Under the 28% guideline.

PITI$1,001

P/I16%

Afford$226K

Room+$97K

P&I $654Tax $97Ins $250

Renting $201/mo cheaper ($800 rent)6.50% 30yr, 20% down, county tax + OK ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Oklahoma

Compare Ponca City with other housing markets across Oklahoma.

Nichols Hills$941K Goldsby$408K Cleora$400K Cedar Valley$361K Afton$350K Edmond$348K Jenks$344K Jones$340K

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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