Mortgage Rates in Oklahoma — April 2026
Compare current mortgage rates across 54 cities in Oklahoma. The average 30-year fixed rate is 6.74%, which is 0.65% above the national average of 6.09%.
Oklahoma Housing Highlights
All 54 Cities in Oklahoma
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Oklahoma City | 6.76% | $195,000 | $1,013 | 681,054 |
| Tulsa | 6.76% | $175,000 | $909 | 413,066 |
| Norman | 6.76% | $215,000 | $1,117 | 128,026 |
| Broken Arrow | 6.76% | $235,000 | $1,221 | 113,540 |
| Edmond | 6.76% | $285,000 | $1,480 | 94,428 |
| Lawton | 6.76% | $135,000 | $701 | 93,535 |
| Moore | 6.82% | $203,000 | $1,061 | 62,105 |
| Midwest City | 6.62% | $171,000 | $875 | 57,503 |
| Stillwater | 6.82% | $202,000 | $1,056 | 50,210 |
| Enid | 6.8% | $165,000 | $861 | 49,379 |
| Wetumka | 6.78% | $167,500 | $872 | 42,212 |
| Owasso | 6.86% | $172,000 | $903 | 38,940 |
| Pauls Valley | 6.82% | $175,000 | $915 | 38,195 |
| Bartlesville | 6.78% | $155,000 | $807 | 37,290 |
| Muskogee | 6.47% | $115,000 | $580 | 36,747 |
| Shawnee | 6.87% | $162,000 | $851 | 31,076 |
| Vinita | 6.76% | $215,000 | $1,117 | 29,365 |
| Hugo | 6.8% | $165,000 | $861 | 28,692 |
| Alva | 6.79% | $185,000 | $964 | 28,343 |
| Bixby | 6.84% | $152,000 | $796 | 28,281 |
| Yukon | 6.84% | $179,000 | $937 | 27,562 |
| Stilwell | 6.72% | $152,500 | $789 | 27,300 |
| Ardmore | 6.21% | $145,000 | $712 | 24,698 |
| Jenks | 6.86% | $168,000 | $882 | 24,143 |
| Ponca City | 6.59% | $115,000 | $587 | 23,940 |
| Jay | 6.65% | $195,000 | $1,001 | 23,552 |
| Mustang | 6.78% | $143,000 | $744 | 23,007 |
| Duncan | 6.69% | $161,000 | $830 | 22,505 |
| Anadarko | 6.82% | $167,500 | $875 | 22,456 |
| Sapulpa | 6.87% | $145,000 | $762 | 21,649 |
| Del City | 6.8% | $158,000 | $824 | 21,332 |
| Picher | 6.71% | $182,500 | $943 | 21,287 |
| Bristow | 6.82% | $187,500 | $980 | 20,467 |
| Sand Springs | 6.86% | $169,000 | $887 | 20,057 |
| El Reno | 6.88% | $146,000 | $768 | 19,813 |
| Bethany | 6.72% | $180,000 | $931 | 19,767 |
| Claremore | 6.63% | $160,000 | $820 | 19,737 |
| Comanche | 6.74% | $170,000 | $881 | 19,659 |
| Harrah | 6.6% | $147,500 | $754 | 19,546 |
| Durant | 6.67% | $174,000 | $895 | 19,223 |
| Altus | 6.75% | $161,000 | $835 | 18,837 |
| Cushing | 6.66% | $102,500 | $527 | 18,401 |
| McAlester | 6.68% | $162,000 | $835 | 17,783 |
| Ada | 6.23% | $125,000 | $614 | 17,399 |
| Tahlequah | 6.83% | $164,000 | $858 | 17,343 |
| Chickasha | 6.71% | $163,000 | $842 | 16,036 |
| Glenpool | 6.77% | $169,000 | $879 | 13,836 |
| Miami | 6.77% | $157,000 | $816 | 13,279 |
| Choctaw | 6.69% | $176,000 | $908 | 13,002 |
| Weatherford | 6.63% | $158,000 | $810 | 12,475 |
| Woodward | 6.89% | $179,000 | $942 | 12,121 |
| Guthrie | 6.87% | $178,000 | $935 | 11,654 |
| Warr Acres | 6.86% | $172,000 | $903 | 10,567 |
| Blanchard | 6.82% | $144,000 | $753 | 9,700 |
Oklahoma Mortgage Rates Guide — 2026
Oklahoma homebuyers currently see an average 30-year fixed mortgage rate of 6.74%, with median home prices around $168,528. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $874.
The most affordable city for homebuyers in Oklahoma is Cushing, where the median home price is $102,500. On the other end, Edmond has the highest prices at $285,000. Property tax rates across the state average 0.87%.
To comfortably afford a home at the state average price, a household income of approximately $37,457 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Oklahoma Mortgages
What are current mortgage rates in Oklahoma?
As of April 2026, the average 30-year fixed mortgage rate in Oklahoma is 6.74% and the 15-year fixed rate averages 5.98%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Oklahoma?
The median home price across 54 cities in Oklahoma is $168,528. Prices range from $102,500 in Cushing to $285,000 in Edmond.
How much income do I need to buy a house in Oklahoma?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $37,457 to comfortably afford the average home in Oklahoma. The median household income in the state is approximately $49,468.
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