Market Overview
Home Prices in Ponca City, OK
The median home value in Ponca City, OK is $140,045 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.2% compared to a year ago and up 3.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ponca City are priced66% below average. Ponca City is part of the Ponca City, OK metro area.
Over the past five years, Ponca City home values have risen by approximately22.8%, reflecting strong long-term appreciation in this market.
Price History
Ponca City Home Price Trend
City Comparison
Ponca City vs. National Median
At $140,045, homes in Ponca City cost 66% below the national median of $410,000. This makes Ponca City a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ponca City?
20% Down Payment
$28,009
on $140,045
Monthly P&I
$730/mo
30-yr @ 6.8%
Total Monthly Est.
~$927/mo
incl. taxes & insurance
Income Needed
$37,080
gross annual (30% rule)
10% Down Option
$14,005
+ PMI applies
Loan Amount (20% dn)
$112,036
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Ponca City, OK?
The median home value in Ponca City is $140,045 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.2% year-over-year.
How much have home prices changed in Ponca City?
Over the past year, home values in Ponca City have increased by 5.2%. Over five years, prices have risen approximately 22.8%.
How much do I need to earn to buy a home in Ponca City?
To comfortably afford the median home price of $140,045 with a 20% down payment ($28,009) at today's rates (6.8%), you'd need a gross annual income of approximately $37,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Ponca City compare to the national average home price?
The national median home value is approximately $410,000. At $140,045, homes in Ponca City are 66% below the national average.
What metro area is Ponca City part of?
Ponca City is part of the Ponca City, OK metropolitan area. Home prices and market conditions can vary across the broader metro region.