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Oklahoma Mortgage Calculator

Calculate your Oklahoma mortgage payment with state-specific property tax rates (0.9% average), income tax (0.5% - 4.75%), and 2026 conforming loan limits.

Oklahoma-Specific Inputs

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Oklahoma Property Tax

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OK average: 0.9%

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Other costs

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Oklahoma Mortgage Overview

Oklahoma has low home prices and moderate property taxes.

2026 Conforming Loan Limits

  • Single-family: $806,500
  • Two-unit: $1,032,320
  • Three-unit: $1,250,075
  • Four-unit: $1,548,480

In pricier counties, the limit rises to $1,209,750.

Oklahoma Income Tax Rates (2026)

Oklahoma has a state income tax with rates of 0.5% - 4.75%.

Calculate your after-tax income.

Oklahoma Property Tax

On average, Oklahoma property taxes run at 0.9%. Each county sets its own rate, so check locally.

First-Time Homebuyer Programs

Oklahoma Housing Finance Agency offers down payment assistance and favorable loan terms for qualifying first-time buyers in Oklahoma.

Oklahoma Mortgage FAQ

What is the average property tax rate in Oklahoma?

Check your local rate.

What is the income tax in Oklahoma?

Calculate your after-tax income.

What are Oklahoma's conforming loan limits for 2026?

Past this limit means jumbo.

Are there first-time homebuyer programs in Oklahoma?
How much do I need for a down payment in Oklahoma?

Minimums: 3% conventional, 3.5% FHA, 0% VA/USDA.

Related resources

National Mortgage Calculator → OK Paycheck Calculator → Affordability Calculator → Down Payment Calculator → All State Calculators → How Much House Can I Afford? →