Mortgage Rates in Bethany, Oklahoma — March 2026
Updated March 2026 | Based on Bethany market data and regional lending conditions
Bethany is a growing city in Oklahoma with a population of 19,767. The current 30-year fixed mortgage rate in Bethany is 6.72%, which is 0.07% above the national average. With a median home price of $180,000 and a 20% down payment of $36,000, homebuyers can expect a monthly principal and interest payment of approximately $931.
Current Mortgage Rates in Bethany, OK
Below are the current average mortgage rates available in the Bethany area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.72% | 6.65% | +0.07% |
| 15-Year Fixed | 5.97% | 5.89% | +0.08% |
| 5/1 ARM | 6.23% | 6.15% | +0.08% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.97% | 6.85% | +0.12% |
Bethany Housing Market Overview
The Bethany housing market offers relatively affordable housing compared to many major cities. The median household income in Bethany is $52,800, and the cost of living index is 80.6 (national average = 100). Based on the 28% affordability rule, the median income in Bethany is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Bethany
Based on the median home price of $180,000 with 20% down ($36,000), here is what you can expect to pay monthly in Bethany:
15-Year vs. 30-Year Mortgage in Bethany
Choosing a 15-year mortgage in Bethany at 5.97% instead of a 30-year at 6.72% would save you $116,820 in total interest over the life of the loan. However, your monthly payment would be $1,213 instead of $931 — an increase of $282 per month.
Calculate Your Bethany Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Bethany
What are the current mortgage rates in Bethany, OK?
As of March 2026, the average 30-year fixed mortgage rate in Bethany, Oklahoma is 6.72%, while the 15-year fixed rate is 5.97%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.07% above the national average of 6.65%.
How much is a monthly mortgage payment in Bethany?
Based on the median home price of $180,000 with 20% down, the estimated monthly mortgage payment in Bethany is $931 for principal and interest. Including property taxes of $129/month, the total monthly housing cost is approximately $1,060.
What income do I need to buy a home in Bethany?
Using the 28% rule, you would need an annual income of approximately $45,429 to afford the median-priced home in Bethany at $180,000. The median household income in Bethany is $52,800. The median income is currently sufficient to meet this threshold.
Is Bethany a good place to buy a home in 2026?
Bethany offers a below-average cost of living with a cost of living index of 80.6 (national average = 100). The property tax rate in Oklahoma is 0.86%, which is near the national average. Bethany has a population of 19,767 and offers a very affordable lifestyle.
Mortgage Rates in Other Oklahoma Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Bethany, Oklahoma area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.