What are the median closing costs in Oklahoma?

Median total closing costs — lender and third-party charges — on a home-purchase loan in Oklahoma are about $6,204, from public CFPB HMDA data. Cells with fewer than 25 loans are suppressed.

What is the effective property-tax rate in Oklahoma?

The effective property-tax rate in Oklahoma is about 0.80%, from the Census American Community Survey (median real estate taxes divided by median home value).

What does a median home cost to own each month in Oklahoma?

A median $199,800 home in Oklahoma costs about $1,710 a month to own — principal, interest, property tax, insurance, PMI, and a maintenance reserve — versus a lender-approved payment of about $1,543. Every figure is from public data.

Cost of Ownership · Oklahoma

The true cost of owning a home in Oklahoma

For a median $199,800 home in Oklahoma, here is the full monthly cost — not just the mortgage. Built from public data: the state's median home value and effective property-tax rate, its average homeowners premium, and the current 30-year rate. This is a representative example, not a quote.

As of Jul 8, 2026Methodology true-cost-v3

Lender-approved payment

$1,543/mo

PITI + PMI

True monthly cost

$1,710/mo

everything, incl. upkeep

The gap

+$167/mo

what approval leaves out

Principal & interest$1,146/mo

Property tax$133/mo

Homeowners insurance$189/mo

PMI (LTV > 80%)$75/mo

Maintenance reserve$167/mo

True monthly cost$1,710/mo

Effective property-tax rate

0.80%

Avg. homeowners premium

$2,268/yr

NFIP flood claims on record

12,973

Closing costs in Oklahoma

Median closing costs and lender origination charges on real home-purchase loans in Oklahoma, from public CFPB HMDA data. Cells with fewer than 25 loans aren't shown.

Median total closing costs

$6,204

Typically $4,398–$8,975

Median origination charges

$2,196

Typically $1,295–$3,987

Loan size	p25	Median	p75	Loans
All	$4,398	$6,204	$8,975	35,282
All	$4,012	$5,801	$8,603	33,105
< $250k	$4,152	$5,775	$7,955	19,846
< $250k	$3,768	$5,301	$7,378	20,265
$250k–$500k	$4,716	$7,219	$10,631	13,161
$250k–$500k	$4,439	$7,330	$11,076	11,073
$500k–$750k	$4,828	$6,588	$11,981	1,464
$500k–$750k	$4,974	$6,053	$10,984	1,703
> $750k	$5,621	$7,024	$12,314	572
> $750k	$5,087	$6,536	$12,847	303

Compare your own Loan Estimate with the Loan Estimate Decoder, or see every state in the Fee & Rate Index.

Common questions about buying a home in Oklahoma

What are the median closing costs in Oklahoma?: Median total closing costs — lender and third-party charges — on a home-purchase loan in Oklahoma are about $6,204, from public CFPB HMDA data. Cells with fewer than 25 loans are suppressed.
What is the effective property-tax rate in Oklahoma?: The effective property-tax rate in Oklahoma is about 0.80%, from the Census American Community Survey (median real estate taxes divided by median home value).
What does a median home cost to own each month in Oklahoma?: A median $199,800 home in Oklahoma costs about $1,710 a month to own — principal, interest, property tax, insurance, PMI, and a maintenance reserve — versus a lender-approved payment of about $1,543. Every figure is from public data.

These figures use Oklahoma's median home value and a 10% down payment as a representative example. Your price, rate, and county rate will differ — run your own numbers in the True Cost tool, see how Oklahoma ranks on property tax and insurance, or browse every state.