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Compare Current Stillwater, Oklahoma Mortgage Rates
Compare Stillwater, 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 Stillwater.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Stillwater. Plus, shopping lenders is free and there is no obligation.
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Compare Today's Stillwater, OK Mortgage Rates
July 11, 2025
Current mortgage rates in Stillwater, OK are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Stillwater, OK Rates
National Average
Comparison
30 Year Fixed Rate
%
6.670%
15 Year Fixed Rate
%
5.960%
5/1 Adjustable Rate Mortgage
%
6.250%
How Affordable is Housing in Stillwater, Oklahoma?
Below we provide helpful information on the real estate market, home prices and housing affordability in Stillwater. Understand how much you need to earn to afford a home in Stillwater, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Stillwater 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 Stillwater is right for you.
The median home value for Stillwater, OK (Payne County) is $223,140
Based on current mortgage rates and a 10% down payment, you need to make $46,551 per year to buy the median priced home in Stillwater
With this income, you could qualify for a $200,826 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 Stillwater is $1,078
The median household income for Stillwater, OK (Payne County) is $50,068
Based on this income, you can afford a home valued at approximately $240,003
The home price you can afford to buy based on household income in Stillwater is 108% of the median home value which means housing prices are average.
Stillwater (Payne County) ranks 77 out of 77 counties in Oklahoma and 2,723 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Stillwater, OK is average
Loan Limits for Stillwater, Oklahoma
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Stillwater (Payne County) below.
Conforming loan limits for Stillwater, OK
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Stillwater, OK
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Stillwater, OK
1 unit:$726,200
Additional Mortgage Resources for Stillwater, OK Residents