Oklahoma home-buying math, with the state's real numbers.
Mortgage, property tax, OHFA and buydown calculators that already know Oklahoma's millage, OHFA's limits and today's rates, and show the public source and date behind every figure.
Today's numbers
Freddie Mac figures are credited to Freddie Mac's Primary Mortgage Market Survey® and shown as published. OHFA rates change daily; OHFA's Reservation Portal is the final word.
Calculators
Mortgage payment
Monthly payment with your school district's millage, Oklahoma insurance, PMI or FHA MIP.
OK County leviesOTC millageFreddie Mac PMMSHUD MIP
OHFA GOLD & DREAM check
Compare your income and price with OHFA's published limits for your county.
OHFA exhibitsOHFA daily rates
Property tax
Assessed value, exemptions and mills, worked out line by line.
OK County leviesOTC Stat Book
Buydown & points
2-1 and 3-2-1 buydown costs, and when discount points pay for themselves.
Freddie Mac PMMS
Closing costs
Oklahoma mortgage tax and deed stamps computed for you; lender fees from your Loan Estimate.
68 O.S. § 190468 O.S. § 3201HUD UFMIP
Coming soon
Affordability
The highest price your income supports once Oklahoma tax and insurance are in.
OTC millageFreddie Mac PMMSOHFA limits
Coming soon
Rent vs. buy
What each path costs over the years you plan to stay, with your own assumptions.
OTC millageLendingTree benchmark
Coming soon
Home insurance
Your quote next to Oklahoma's statewide average, and its share of the payment.
LendingTree 2026
Coming soon
Why Oklahoma needs its own math
Insurance is the surprise
Oklahoma's average premium, $5,298 a year, is the highest of any state in LendingTree's 2026 study and 121.2% above the U.S. average. National calculators that skip it understate the payment.
Your school district sets the tax
Oklahoma County's 2025 levies run from 87.80 to 140.78 mills depending on the city and school district. We use the exact district total where we have it, and label county averages as averages.
OHFA help has hard limits
OHFA's GOLD and DREAM loans come with 3.50% down payment assistance, but income limits vary by county and household size, and price caps apply. The eligibility check compares your numbers with the published exhibits.
Who's behind this
Author bio coming soon.
Built by an Oklahoma home buyer working through the same numbers. About this site.
How fresh is the data?
Every figure shows its date. OHFA posts rates each business day, Freddie Mac weekly, and counties certify levies once a year. Current pulls: Freddie Mac week of Oct 8, 2026, OHFA October 8, 2026. See the methodology for each source.