Market Overview
Home Prices in Pond Creek, OK
The median home value in Pond Creek, OK is $110,496 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 9.3% compared to a year ago and down 2.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Pond Creek are priced73% below average.
Over the past five years, Pond Creek home values have risen by approximately10.0%, reflecting steady appreciation in this market.
Price History
Pond Creek Home Price Trend
2020
$84,630
$85K
—
2021
$100,484
$100K
+18.7%
2022
$110,225
$110K
+9.7%
2023
$109,575
$110K
-0.6%
2024
$103,887
$104K
-5.2%
2025
$101,057
$101K
-2.7%
2026
$110,496
$110K
+9.3%
City Comparison
Pond Creek vs. National Median
🏠 Pond Creek
$110,496
National Median
$410,000
At $110,496, homes in Pond Creek cost 73% below the national median of $410,000. This makes Pond Creek a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Pond Creek?
20% Down Payment
$22,099
on $110,496
Monthly P&I
$576/mo
30-yr @ 6.8%
Total Monthly Est.
~$732/mo
incl. taxes & insurance
Income Needed
$29,280
gross annual (30% rule)
10% Down Option
$11,050
+ PMI applies
Loan Amount (20% dn)
$88,397
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 Pond Creek, OK?
The median home value in Pond Creek is $110,496 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 9.3% year-over-year.
How much have home prices changed in Pond Creek?
Over the past year, home values in Pond Creek have increased by 9.3%. Over five years, prices have risen approximately 10.0%.
How much do I need to earn to buy a home in Pond Creek?
To comfortably afford the median home price of $110,496 with a 20% down payment ($22,099) at today's rates (6.8%), you'd need a gross annual income of approximately $29,280. This assumes keeping total housing costs at or below 30% of gross income.
How does Pond Creek compare to the national average home price?
The national median home value is approximately $410,000. At $110,496, homes in Pond Creek are 73% below the national average.