Oklahoma Mortgage Calculator
Estimate the monthly PITI payment on a Oklahoma home. Preseeded with the state’s 0.89% effective property-tax rate, $4,400 average annual insurance, and $210,000 median home price.
Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$1,654
- Principal & Interest
- $1,062
- Property Taxes
- $156
- Home Insurance
- $367
- PMI
- $70
Total Interest
$214,275
Total Cost
$570,345
Payoff Year
2056
Oklahoma Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 0.89%
- Avg annual insurance
- $4,400
- Median home price
- $210,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable Oklahoma Rules
Oklahoma has the second-highest homeowners-insurance premiums in the country due to tornado, hail, and severe-storm exposure. The state offers a $1,000 homestead exemption (deducted from assessed value) plus a Senior Freeze for homeowners 65+ with income under the threshold.
Mortgage Calculators for Other States
Related Calculators
Frequently Asked Questions
- Oklahoma's statewide effective property-tax rate is approximately 0.89% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.