Oklahoma Mortgage Rates & Home Prices (2026)
Median price: $195,000 · Avg. rate: 6.90%
Oklahoma Market Overview
$195,000
Median Home Price
6.90%
Avg. 30-Yr Rate
0.90%
Property Tax Rate
66.2%
Homeownership Rate
Oklahoma offers very affordable housing with median prices under $200,000. OKC and Tulsa metros have seen moderate growth. The Oklahoma Housing Finance Agency provides 3.5% of the loan as DPA through the Shield and Gold programs.
Estimated Monthly Payment
Median home in Oklahoma (20% down, 30-yr fixed)
$1,255/mo
Principal & Interest$1,027
Property Taxes$146
Home Insurance (est.)$81
Total Monthly (PITI)$1,255
Based on a $195,000 home with 20% down ($156,000 loan) at 6.90%. Does not include PMI, HOA, or other fees.
First-Time Buyer Programs in Oklahoma
- OHFA Homebuyer Down Payment Assistance
- OHFA Shield Program
- OHFA Gold Program
Contact your state's Housing Finance Agency for current program availability and requirements.
Rate Comparison: OK Rates
30-Year Fixed6.90%
15-Year Fixed6.14%
5/1 ARM (est.)6.15%
FHA 30-Year6.75%
VA 30-Year6.65%
Rates are estimates based on state averages and may vary by lender and borrower qualifications.
Frequently Asked Questions
Key Stats: OK
FHA Loan Limit$472,030
Median Income$58,560
Cost Index0.80x