Ponca City, Oklahoma.
Typical home $137,447 (+6.0% in a year), asking rent $665 (+2.0%). Ponca City, OK metro.
to buy the typical home at today's mortgage rate — +$382 (+113%) since Jan 2020.
- 1 year
- Up $7,770 +6%
- $129,678$137,447 since Sep 2025
- 5 years
- Up $23,474 +21%
- $113,974$137,447 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Ponca City$721
- Oklahoma$1,159
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 19 years.
Typical home values in Ponca City, OK rose 6.0% over the past year — faster than the nation's +1.2%.
Asking rents in Ponca City, OK rose 2.0% over the past year — slower than the nation's +2.7%.
Owning the typical home in Ponca City runs $279/mo more than renting one — the widest that gap has been in this data.
That is $944 a month against $665 rent: a $721 mortgage payment, plus $75 property tax and $147 insurance & upkeep.
Owning vs renting — Ponca City
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$944
- Renting$665
- Mortgage only$721
Property tax · $75/mo 0.66% of value a year — the ACS 2020-2024 median bill over the median home value for Kay County, OK
Insurance & upkeep · $147/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Ponca City, Kay County, Oklahoma
Ponca City is a city of 24,424 people in Kay County. Half its households earn more than $55,941 a year and half less, against $58,423 across Kay County; 18% of its people live below the poverty line. 62% of its homes are lived in by their owners and 38% are rented. Unemployment in Ponca City was 4.0% in August 2026, and Kay County had 2.3% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Ponca City is a small city in Kay County, Oklahoma, where most homes are lived in by their owners and typical home values and rents are modest. Incomes run a little below the county's, and a good share of residents live below the poverty line. Winters are cold and summers are hot, with a fair amount of rain and melted snow across the year.
Work. Residents work mostly in schools, hospitals and social care, followed by shops, manufacturing, and restaurants, hotels and entertainment. Among the largest workplaces in town are Ponca City Schools, Walmart and Mertz Integration. Commutes are short, and very few people work from home.
Things to do. Cann Memorial Botanical Gardens and the Poncan Theatre are both in or beside town, one a garden and the other a theatre. The Salt Fork Arkansas River is a short drive away, and for a longer outing Kaw Lake is a reservoir that makes a day trip.
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- 9,371households
- 21%of adults have a degree
- 18%below the poverty line
- 16 mintypical commute
- 3%work from home
What residents work in
Employed residents by industry, from the Census survey. Kay County had 17,568 jobs in 2025, 2.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 47° and lows near 25°; warmest in July, with highs near 93° and lows near 71°. About 34 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Ponca City Municipal Airport weather station, 2 miles away (NOAA).
Largest workplaces in Ponca City
- Ponca City SchoolsSchool district674FTE
- WalmartWarehouse clubs and supercenters380
- Mertz IntegrationOff-highway trucks manufacturing237
- AlbertsonsGeneral warehousing and storage171
- MidManufacturing building construction152
- Pioneer Technology CenterCareer school98
- Ponca City Medical CenterGeneral hospital97FTE
- Ponca City Nursing and RehabNursing homes91
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 12 workplaces with 20 or more staff, 1,468 people in all. School districts come from the Common Core of Data (NCES, 2023–24), colleges from IPEDS (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- TornadoesVery high
- Cold wavesVery high
- Ice stormsRelatively high
- HailRelatively high
- Winter weatherRelatively high
- Heat wavesrelatively high in parts of Ponca CityRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Ponca City’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Kay County and the Ponca City, OK metro.
Ponca City home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Ponca City$137,447
- Oklahoma$220,801
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Ponca City listings, and the typical home goes pending in 31 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Ponca City23.49%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Ponca City31
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Ponca City127
New listings per month
Sellers arriving at the market.
- Ponca City35
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Ponca City$168,217
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Ponca City96.91%
Zip codes with a Ponca City address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ponca City — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Ponca City
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 74601 | Ponca City | 18,916 | $665 | $91,737 |
| 74604 | Ponca City | 12,189 | — | $221,074 |