Mortgage Rates in Del City, Oklahoma — March 2026
Updated March 2026 | Based on Del City market data and regional lending conditions
Del City is a growing city in Oklahoma with a population of 21,332. The current 30-year fixed mortgage rate in Del City is 6.8%, which is 0.15% above the national average. With a median home price of $158,000 and a 20% down payment of $31,600, homebuyers can expect a monthly principal and interest payment of approximately $824.
Current Mortgage Rates in Del City, OK
Below are the current average mortgage rates available in the Del City 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 | 6.8% | 6.65% | +0.15% |
| 15-Year Fixed | 6.03% | 5.89% | +0.14% |
| 5/1 ARM | 6.28% | 6.15% | +0.13% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.05% | 6.85% | +0.2% |
Del City Housing Market Overview
The Del City housing market offers relatively affordable housing compared to many major cities. The median household income in Del City is $53,800, and the cost of living index is 84.8 (national average = 100). Based on the 28% affordability rule, the median income in Del City is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Del City
Based on the median home price of $158,000 with 20% down ($31,600), here is what you can expect to pay monthly in Del City:
15-Year vs. 30-Year Mortgage in Del City
Choosing a 15-year mortgage in Del City at 6.03% instead of a 30-year at 6.8% would save you $104,220 in total interest over the life of the loan. However, your monthly payment would be $1,069 instead of $824 — an increase of $245 per month.
Calculate Your Del City 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 Del City
What are the current mortgage rates in Del City, OK?
As of March 2026, the average 30-year fixed mortgage rate in Del City, Oklahoma is 6.8%, while the 15-year fixed rate is 6.03%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.15% above the national average of 6.65%.
How much is a monthly mortgage payment in Del City?
Based on the median home price of $158,000 with 20% down, the estimated monthly mortgage payment in Del City is $824 for principal and interest. Including property taxes of $120/month, the total monthly housing cost is approximately $944.
What income do I need to buy a home in Del City?
Using the 28% rule, you would need an annual income of approximately $40,457 to afford the median-priced home in Del City at $158,000. The median household income in Del City is $53,800. The median income is currently sufficient to meet this threshold.
Is Del City a good place to buy a home in 2026?
Del City offers a below-average cost of living with a cost of living index of 84.8 (national average = 100). The property tax rate in Oklahoma is 0.91%, which is near the national average. Del City has a population of 21,332 and offers a very affordable lifestyle.
Mortgage Rates in Other Oklahoma Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Del City, Oklahoma area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.