Mortgage Rates in Tulsa, Oklahoma — March 2026
Updated March 2026 | Based on Tulsa market data and regional lending conditions
Tulsa is a mid-sized city in Oklahoma with a population of 413,066. The current 30-year fixed mortgage rate in Tulsa is 6.76%, which is 0.11% above the national average. With a median home price of $175,000 and a 20% down payment of $35,000, homebuyers can expect a monthly principal and interest payment of approximately $909.
Current Mortgage Rates in Tulsa, OK
Below are the current average mortgage rates available in the Tulsa 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 | 6.76% | 6.65% | +0.11% |
| 15-Year Fixed | 6% | 5.89% | +0.11% |
| 5/1 ARM | 6.26% | 6.15% | +0.11% |
| FHA | 6.36% | 6.25% | +0.11% |
| VA | 6.16% | 6.05% | +0.11% |
| Jumbo | 6.96% | 6.85% | +0.11% |
Tulsa Housing Market Overview
The Tulsa housing market offers relatively affordable housing compared to many major cities. The median household income in Tulsa is $47,650, and the cost of living index is 86.5 (national average = 100). Based on the 28% affordability rule, the median income in Tulsa is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Tulsa
Based on the median home price of $175,000 with 20% down ($35,000), here is what you can expect to pay monthly in Tulsa:
15-Year vs. 30-Year Mortgage in Tulsa
Choosing a 15-year mortgage in Tulsa at 6% instead of a 30-year at 6.76% would save you $114,660 in total interest over the life of the loan. However, your monthly payment would be $1,181 instead of $909 — an increase of $272 per month.
Calculate Your Tulsa 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 Tulsa
What are the current mortgage rates in Tulsa, OK?
As of March 2026, the average 30-year fixed mortgage rate in Tulsa, Oklahoma is 6.76%, while the 15-year fixed rate is 6%. FHA loans average 6.36% and VA loans 6.16%. These rates are 0.11% above the national average of 6.65%.
How much is a monthly mortgage payment in Tulsa?
Based on the median home price of $175,000 with 20% down, the estimated monthly mortgage payment in Tulsa is $909 for principal and interest. Including property taxes of $127/month, the total monthly housing cost is approximately $1,036.
What income do I need to buy a home in Tulsa?
Using the 28% rule, you would need an annual income of approximately $44,400 to afford the median-priced home in Tulsa at $175,000. The median household income in Tulsa is $47,650. The median income is currently sufficient to meet this threshold.
Is Tulsa a good place to buy a home in 2026?
Tulsa offers a below-average cost of living with a cost of living index of 86.5 (national average = 100). The property tax rate in Oklahoma is 0.87%, which is near the national average. Tulsa has a population of 413,066 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 Tulsa, Oklahoma area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.