Mortgage Rates in Sapulpa, Oklahoma — March 2026
Updated March 2026 | Based on Sapulpa market data and regional lending conditions
Sapulpa is a growing city in Oklahoma with a population of 21,649. The current 30-year fixed mortgage rate in Sapulpa is 6.87%, which is 0.22% above the national average. With a median home price of $145,000 and a 20% down payment of $29,000, homebuyers can expect a monthly principal and interest payment of approximately $762.
Current Mortgage Rates in Sapulpa, OK
Below are the current average mortgage rates available in the Sapulpa 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 | 6.87% | 6.65% | +0.22% |
| 15-Year Fixed | 6.08% | 5.89% | +0.19% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.12% | 6.85% | +0.27% |
Sapulpa Housing Market Overview
The Sapulpa housing market offers relatively affordable housing compared to many major cities. The median household income in Sapulpa is $46,300, and the cost of living index is 82.8 (national average = 100). Based on the 28% affordability rule, the median income in Sapulpa is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Sapulpa
Based on the median home price of $145,000 with 20% down ($29,000), here is what you can expect to pay monthly in Sapulpa:
15-Year vs. 30-Year Mortgage in Sapulpa
Choosing a 15-year mortgage in Sapulpa at 6.08% instead of a 30-year at 6.87% would save you $97,200 in total interest over the life of the loan. However, your monthly payment would be $984 instead of $762 — an increase of $222 per month.
Calculate Your Sapulpa 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 Sapulpa
What are the current mortgage rates in Sapulpa, OK?
As of March 2026, the average 30-year fixed mortgage rate in Sapulpa, Oklahoma is 6.87%, while the 15-year fixed rate is 6.08%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.22% above the national average of 6.65%.
How much is a monthly mortgage payment in Sapulpa?
Based on the median home price of $145,000 with 20% down, the estimated monthly mortgage payment in Sapulpa is $762 for principal and interest. Including property taxes of $100/month, the total monthly housing cost is approximately $862.
What income do I need to buy a home in Sapulpa?
Using the 28% rule, you would need an annual income of approximately $36,943 to afford the median-priced home in Sapulpa at $145,000. The median household income in Sapulpa is $46,300. The median income is currently sufficient to meet this threshold.
Is Sapulpa a good place to buy a home in 2026?
Sapulpa offers a below-average cost of living with a cost of living index of 82.8 (national average = 100). The property tax rate in Oklahoma is 0.83%, which is near the national average. Sapulpa has a population of 21,649 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 Sapulpa, Oklahoma area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.