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Compare Wagoner, 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 Wagoner.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Wagoner. 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 Wagoner, OK Mortgage Rates
July 27, 2024
Current mortgage rates in Wagoner, 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 Wagoner, OK Rates
National Average
Comparison
30 Year Fixed Rate
%
6.669%
15 Year Fixed Rate
%
5.960%
5/1 Adjustable Rate Mortgage
%
6.250%
How Affordable is Housing in Wagoner, Oklahoma?
Below we provide helpful information on the real estate market, home prices and housing affordability in Wagoner. Understand how much you need to earn to afford a home in Wagoner, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Wagoner 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 Wagoner is right for you.
The median home value for Wagoner, OK is $229,990
Based on current mortgage rates and a 10% down payment, you need to make $47,980 per year to buy the median priced home in Wagoner
With this income, you could qualify for a $206,991 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 Wagoner is $1,111
The median household income for Wagoner, OK is $71,340
Based on this income, you can afford a home valued at approximately $341,966
The home price you can afford to buy based on household income in Wagoner is 149% of the median home value which means housing prices are average.
Wagoner ranks 72 out of 77 counties in Oklahoma and 1,918 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Wagoner, OK is average
Loan Limits for Wagoner, Oklahoma
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Wagoner below.
Conforming loan limits for Wagoner, OK
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Wagoner, OK
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Wagoner, OK
1 unit:$726,200
Additional Mortgage Resources for Wagoner, OK Residents