📍 Zip Code 73101 · Oklahoma City, OK · Oklahoma County

Mortgage Costs in 73101
Oklahoma City, OK

Real 2026 data · Property tax 1.2% · 7.1% mortgage rate
$225,000
Median Home Price
$1,528
All-In Monthly (20% down)
$65,503
Salary Needed
Stretch
Affordability on Avg Income

Full Cost Breakdown — 73101 (Oklahoma City, OK)

Cost Item
20% Down ($45,000)
10% Down ($22,500)
Principal & Interest
$1,210/mo
$1,361/mo
Property Tax (1.2%)
$225/mo
$225/mo
Home Insurance (~0.5%)
$94/mo
$94/mo
PMI (if <20% down)
$101/mo
Total All-In
$1,528/mo
$1,781/mo

What Salary Do You Need to Buy in 73101?

Using the standard 28% gross income housing rule, you need approximately $65,503/year to comfortably afford the median home in Oklahoma City, OK with 20% down at today's 7.1% rate.

The average household income in Oklahoma County is approximately $58,000/year — which means buying the median home here is stretch for the average family.

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Property Tax in 73101 (Oklahoma County)

Oklahoma County has a property tax rate of approximately 1.2% — above the national average of 1.1%. On a $225,000 home, this equals $225/month or $2,700/year in property taxes.

Property taxes can often be appealed if your assessment seems high. Ownwell specializes in property tax appeals — they only charge if they save you money.

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Potential savings: $405/year. No win = no fee.
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Will a Bank Approve You in Oklahoma City?

Approval depends on your specific profile — credit score, income, existing debts, and down payment. The Bank Rejection Engine shows exactly how 5 different lender types would score your application for a home in 73101.

Check My Approval Odds → Paste a Oklahoma City Listing →