Compare Oklahoma City, OK mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Oklahoma City.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Oklahoma City. Plus, shopping lenders is free and there is no obligation.
August 2, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Oklahoma City. Understand how much you need to earn to afford a home in Oklahoma City, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Oklahoma City fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Oklahoma City is right for you.
The median home value for Oklahoma City, OK (Oklahoma County) is $208,506
Based on current mortgage rates and a 10% down payment, you need to make $43,498 per year to buy the median priced home in Oklahoma City
With this income, you could qualify for a $187,655 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Oklahoma City is $1,007
The median household income for Oklahoma City, OK (Oklahoma County) is $58,607
Based on this income, you can afford a home valued at approximately $280,934
The home price you can afford to buy based on household income in Oklahoma City is 135% of the median home value which means housing prices are average. Oklahoma City (Oklahoma County) ranks 74 out of 77 counties in Oklahoma and 2,230 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Oklahoma City, OK is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Oklahoma City (Oklahoma County) below.
Conforming loan limits for Oklahoma City, OK
FHA loan limits for Oklahoma City, OK