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Oklahoma Mortgage Calculator

Estimate your monthly mortgage payment in Oklahoma, pre-loaded with the state's 0.85% average property tax rate and local insurance costs.

Median home price
$210,000
Avg property tax
0.85%
Avg insurance
$2,700/yr
$210,000
$42,000 (20%)

20%+ — no PMI

6.75%
Loan term
Taxes, insurance & fees
%
$
%
$

Estimated monthly payment

$1,463

on a $168,000 loan

Monthly$1,463
  • Principal & interest$1,090
  • Property tax$149
  • Home insurance$225
Loan amount
$168,000
Down payment
20%
Total interest
$224,272
Total of payments
$392,272

Buying a home in Oklahoma

Housing costs in Oklahoma are shaped by local property taxes, insurance, and home prices. With an average effective property tax rate of 0.85% and a median home price around $210,000, a typical buyer putting 20% down would finance roughly $168,000. Use the calculator above to model your own price, down payment, and rate — it already reflects Oklahoma's tax and insurance averages so your estimate is closer to reality.

Remember that these figures are statewide averages. Your county and city can have meaningfully different tax rates, and insurance premiums depend on your specific home. For the most accurate estimate, enter a quote from a licensed Oklahoma lender and your actual insurance and tax figures.

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Oklahoma mortgage FAQs

What is the average property tax rate in Oklahoma?

Oklahoma has an average effective property tax rate of about 0.85% of a home's value per year. On the state's indicative median home price of $210,000, that works out to roughly $1,785 per year, usually collected monthly through escrow.

How much is a mortgage payment in Oklahoma?

Your payment depends on the home price, down payment, interest rate, and term. We've pre-filled this calculator with Oklahoma's median home price of $210,000 and local tax and insurance estimates — adjust the sliders to match your situation.

Does this calculator include Oklahoma homeowners insurance?

Yes. We've defaulted to an indicative Oklahoma average of about $2,700 per year. Insurance varies by location, home age, and coverage, so enter a real quote for the most accurate estimate.