Oklahoma City, OK Mortgage Calculator
Estimate your monthly mortgage payment in Oklahoma City including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$1,516
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $168,000
LTV: 0.01%
P&I Payment
$1,112
Total Interest
$232,346
over loan life
Payoff
30 yr
Closing Costs
$3,448–$6,436
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $1,112 | $139 | $973 | $167,861 | $973 |
| 2 | $1,112 | $140 | $972 | $167,721 | $1,945 |
| 3 | $1,112 | $141 | $971 | $167,580 | $2,917 |
| 4 | $1,112 | $142 | $971 | $167,439 | $3,887 |
| 5 | $1,112 | $142 | $970 | $167,297 | $4,857 |
| 6 | $1,112 | $143 | $969 | $167,153 | $5,826 |
| 7 | $1,112 | $144 | $968 | $167,009 | $6,794 |
| 8 | $1,112 | $145 | $967 | $166,865 | $7,761 |
| 9 | $1,112 | $146 | $966 | $166,719 | $8,728 |
| 10 | $1,112 | $146 | $966 | $166,572 | $9,693 |
| 11 | $1,112 | $147 | $965 | $166,425 | $10,658 |
| 12 | $1,112 | $148 | $964 | $166,277 | $11,622 |
Months 1–12 of 360
2025 Loan Limits — Oklahoma County, OK
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Oklahoma City Mortgage
What is the average mortgage payment in Oklahoma City?
Based on the median home value of $210,000 in Oklahoma City, a 30-year conventional loan with 20% down at current illustrative rates would result in an estimated P&I payment. Add local property taxes and insurance for a full PITI estimate.
What is the 2025 FHA loan limit in Oklahoma City?
The 2025 FHA loan limit for Oklahoma City (Oklahoma County) is $524,225.
What is the conforming loan limit in Oklahoma City?
The 2025 conforming loan limit for Oklahoma City is $806,500. Loans above this are considered jumbo.