Tulsa, OK Mortgage Calculator
Calculate your estimated mortgage payment for a home in Tulsa, OK. Pre-filled with Tulsa's average home price of $200,000, local property tax rate of 0.88%, and typical insurance costs.
$200,000
Avg. Home Price
0.88%
Property Tax Rate
$2,700
Avg. Annual Insurance
-
Est. Monthly Payment (PITI)
$1,382.98
? Monthly payment PITI with taxes & insurance included
$691.49
? Bi-weekly payment PITI if paid every other week
March 2056
? The date of the last payment
December 2052
? The date of the last bi-weekly payment
$204,071.18
? Total interest paid
$162,743.19
? Total interest paid if bi-weekly payments made
$146.67
? Monthly property tax paid (included in above PITI payment)
$225
? Monthly Home Insurance paid (included in above PITI payment)
| Payment | Interest | Principal | Balance |
|---|
| April 2026 | $867 | $145 | $159,855 |
| May 2026 | $866 | $145 | $159,710 |
| June 2026 | $865 | $146 | $159,564 |
| July 2026 | $864 | $147 | $159,417 |
| August 2026 | $864 | $148 | $159,269 |
| September 2026 | $863 | $149 | $159,120 |
| October 2026 | $862 | $149 | $158,971 |
| November 2026 | $861 | $150 | $158,821 |
| December 2026 | $860 | $151 | $158,670 |
| 2026 | $8,631 | $1,482 | $158,518 |
| January 2027 | $859 | $152 | $158,518 |
| February 2027 | $859 | $153 | $158,365 |
| March 2027 | $858 | $153 | $158,212 |
| April 2027 | $857 | $154 | $158,057 |
| May 2027 | $856 | $155 | $157,902 |
| June 2027 | $855 | $156 | $157,746 |
| July 2027 | $854 | $157 | $157,589 |
| August 2027 | $854 | $158 | $157,432 |
| September 2027 | $853 | $159 | $157,273 |
| October 2027 | $852 | $159 | $157,114 |
| November 2027 | $851 | $160 | $156,953 |
| December 2027 | $850 | $161 | $156,792 |
| 2027 | $10,248 | $1,888 | $156,630 |
| January 2028 | $849 | $162 | $156,630 |
| February 2028 | $848 | $163 | $156,467 |
| March 2028 | $848 | $164 | $156,304 |
| April 2028 | $847 | $165 | $156,139 |
| May 2028 | $846 | $166 | $155,973 |
| June 2028 | $845 | $166 | $155,807 |
| July 2028 | $844 | $167 | $155,639 |
| August 2028 | $843 | $168 | $155,471 |
| September 2028 | $842 | $169 | $155,302 |
| October 2028 | $841 | $170 | $155,132 |
| November 2028 | $840 | $171 | $154,961 |
| December 2028 | $839 | $172 | $154,789 |
| 2028 | $10,122 | $2,014 | $154,616 |
| January 2029 | $838 | $173 | $154,616 |
| February 2029 | $838 | $174 | $154,442 |
| March 2029 | $837 | $175 | $154,268 |
| April 2029 | $836 | $176 | $154,092 |
| May 2029 | $835 | $177 | $153,915 |
| June 2029 | $834 | $178 | $153,738 |
| July 2029 | $833 | $179 | $153,559 |
| August 2029 | $832 | $180 | $153,380 |
| September 2029 | $831 | $181 | $153,199 |
| October 2029 | $830 | $181 | $153,018 |
| November 2029 | $829 | $182 | $152,835 |
| December 2029 | $828 | $183 | $152,652 |
| 2029 | $9,987 | $2,149 | $152,467 |
| January 2030 | $827 | $184 | $152,467 |
| February 2030 | $826 | $185 | $152,282 |
| March 2030 | $825 | $186 | $152,095 |
| April 2030 | $824 | $187 | $151,908 |
| May 2030 | $823 | $188 | $151,719 |
| June 2030 | $822 | $189 | $151,530 |
| July 2030 | $821 | $191 | $151,339 |
| August 2030 | $820 | $192 | $151,148 |
| September 2030 | $819 | $193 | $150,955 |
| October 2030 | $818 | $194 | $150,762 |
| November 2030 | $817 | $195 | $150,567 |
| December 2030 | $816 | $196 | $150,371 |
| 2030 | $9,843 | $2,293 | $150,174 |
| January 2031 | $815 | $197 | $150,174 |
| February 2031 | $813 | $198 | $149,977 |
| March 2031 | $812 | $199 | $149,778 |
| April 2031 | $811 | $200 | $149,578 |
| May 2031 | $810 | $201 | $149,376 |
| June 2031 | $809 | $202 | $149,174 |
| July 2031 | $808 | $203 | $148,971 |
| August 2031 | $807 | $204 | $148,767 |
| September 2031 | $806 | $205 | $148,561 |
| October 2031 | $805 | $207 | $148,355 |
| November 2031 | $804 | $208 | $148,147 |
| December 2031 | $802 | $209 | $147,938 |
| 2031 | $9,689 | $2,446 | $147,728 |
| January 2032 | $801 | $210 | $147,728 |
| February 2032 | $800 | $211 | $147,517 |
| March 2032 | $799 | $212 | $147,305 |
| April 2032 | $798 | $213 | $147,091 |
| May 2032 | $797 | $215 | $146,877 |
| June 2032 | $796 | $216 | $146,661 |
| July 2032 | $794 | $217 | $146,444 |
| August 2032 | $793 | $218 | $146,226 |
| September 2032 | $792 | $219 | $146,007 |
| October 2032 | $791 | $220 | $145,786 |
| November 2032 | $790 | $222 | $145,565 |
| December 2032 | $788 | $223 | $145,342 |
| 2032 | $9,525 | $2,610 | $145,118 |
| January 2033 | $787 | $224 | $145,118 |
| February 2033 | $786 | $225 | $144,892 |
| March 2033 | $785 | $226 | $144,666 |
| April 2033 | $784 | $228 | $144,438 |
| May 2033 | $782 | $229 | $144,209 |
| June 2033 | $781 | $230 | $143,979 |
| July 2033 | $780 | $231 | $143,748 |
| August 2033 | $779 | $233 | $143,515 |
| September 2033 | $777 | $234 | $143,281 |
| October 2033 | $776 | $235 | $143,046 |
| November 2033 | $775 | $236 | $142,809 |
| December 2033 | $774 | $238 | $142,572 |
| 2033 | $9,351 | $2,785 | $142,333 |
| January 2034 | $772 | $239 | $142,333 |
| February 2034 | $771 | $240 | $142,092 |
| March 2034 | $770 | $242 | $141,851 |
| April 2034 | $768 | $243 | $141,608 |
| May 2034 | $767 | $244 | $141,363 |
| June 2034 | $766 | $246 | $141,118 |
| July 2034 | $764 | $247 | $140,871 |
| August 2034 | $763 | $248 | $140,623 |
| September 2034 | $762 | $250 | $140,373 |
| October 2034 | $760 | $251 | $140,122 |
| November 2034 | $759 | $252 | $139,870 |
| December 2034 | $758 | $254 | $139,616 |
| 2034 | $9,164 | $2,972 | $139,361 |
| January 2035 | $756 | $255 | $139,361 |
| February 2035 | $755 | $256 | $139,105 |
| March 2035 | $753 | $258 | $138,847 |
| April 2035 | $752 | $259 | $138,588 |
| May 2035 | $751 | $261 | $138,327 |
| June 2035 | $749 | $262 | $138,065 |
| July 2035 | $748 | $263 | $137,801 |
| August 2035 | $746 | $265 | $137,537 |
| September 2035 | $745 | $266 | $137,270 |
| October 2035 | $744 | $268 | $137,003 |
| November 2035 | $742 | $269 | $136,733 |
| December 2035 | $741 | $271 | $136,463 |
| 2035 | $8,965 | $3,171 | $136,191 |
| January 2036 | $739 | $272 | $136,191 |
| February 2036 | $738 | $274 | $135,917 |
| March 2036 | $736 | $275 | $135,642 |
| April 2036 | $735 | $277 | $135,365 |
| May 2036 | $733 | $278 | $135,087 |
| June 2036 | $732 | $280 | $134,808 |
| July 2036 | $730 | $281 | $134,526 |
| August 2036 | $729 | $283 | $134,244 |
| September 2036 | $727 | $284 | $133,960 |
| October 2036 | $726 | $286 | $133,674 |
| November 2036 | $724 | $287 | $133,387 |
| December 2036 | $723 | $289 | $133,098 |
| 2036 | $8,753 | $3,383 | $132,808 |
| January 2037 | $721 | $290 | $132,808 |
| February 2037 | $719 | $292 | $132,516 |
| March 2037 | $718 | $294 | $132,222 |
| April 2037 | $716 | $295 | $131,927 |
| May 2037 | $715 | $297 | $131,630 |
| June 2037 | $713 | $298 | $131,332 |
| July 2037 | $711 | $300 | $131,032 |
| August 2037 | $710 | $302 | $130,731 |
| September 2037 | $708 | $303 | $130,427 |
| October 2037 | $706 | $305 | $130,123 |
| November 2037 | $705 | $306 | $129,816 |
| December 2037 | $703 | $308 | $129,508 |
| 2037 | $8,526 | $3,609 | $129,198 |
| January 2038 | $702 | $310 | $129,198 |
| February 2038 | $700 | $311 | $128,887 |
| March 2038 | $698 | $313 | $128,573 |
| April 2038 | $696 | $315 | $128,259 |
| May 2038 | $695 | $317 | $127,942 |
| June 2038 | $693 | $318 | $127,624 |
| July 2038 | $691 | $320 | $127,304 |
| August 2038 | $690 | $322 | $126,982 |
| September 2038 | $688 | $323 | $126,658 |
| October 2038 | $686 | $325 | $126,333 |
| November 2038 | $684 | $327 | $126,006 |
| December 2038 | $683 | $329 | $125,677 |
| 2038 | $8,284 | $3,851 | $125,347 |
| January 2039 | $681 | $331 | $125,347 |
| February 2039 | $679 | $332 | $125,015 |
| March 2039 | $677 | $334 | $124,680 |
| April 2039 | $675 | $336 | $124,344 |
| May 2039 | $674 | $338 | $124,007 |
| June 2039 | $672 | $340 | $123,667 |
| July 2039 | $670 | $341 | $123,326 |
| August 2039 | $668 | $343 | $122,982 |
| September 2039 | $666 | $345 | $122,637 |
| October 2039 | $664 | $347 | $122,290 |
| November 2039 | $662 | $349 | $121,941 |
| December 2039 | $661 | $351 | $121,590 |
| 2039 | $8,027 | $4,109 | $121,238 |
| January 2040 | $659 | $353 | $121,238 |
| February 2040 | $657 | $355 | $120,883 |
| March 2040 | $655 | $357 | $120,527 |
| April 2040 | $653 | $358 | $120,168 |
| May 2040 | $651 | $360 | $119,808 |
| June 2040 | $649 | $362 | $119,445 |
| July 2040 | $647 | $364 | $119,081 |
| August 2040 | $645 | $366 | $118,715 |
| September 2040 | $643 | $368 | $118,347 |
| October 2040 | $641 | $370 | $117,976 |
| November 2040 | $639 | $372 | $117,604 |
| December 2040 | $637 | $374 | $117,230 |
| 2040 | $7,751 | $4,384 | $116,853 |
| January 2041 | $635 | $376 | $116,853 |
| February 2041 | $633 | $378 | $116,475 |
| March 2041 | $631 | $380 | $116,095 |
| April 2041 | $629 | $382 | $115,712 |
| May 2041 | $627 | $385 | $115,328 |
| June 2041 | $625 | $387 | $114,941 |
| July 2041 | $623 | $389 | $114,552 |
| August 2041 | $620 | $391 | $114,161 |
| September 2041 | $618 | $393 | $113,769 |
| October 2041 | $616 | $395 | $113,373 |
| November 2041 | $614 | $397 | $112,976 |
| December 2041 | $612 | $399 | $112,577 |
| 2041 | $7,458 | $4,678 | $112,175 |
| January 2042 | $610 | $402 | $112,175 |
| February 2042 | $608 | $404 | $111,772 |
| March 2042 | $605 | $406 | $111,366 |
| April 2042 | $603 | $408 | $110,958 |
| May 2042 | $601 | $410 | $110,547 |
| June 2042 | $599 | $413 | $110,135 |
| July 2042 | $597 | $415 | $109,720 |
| August 2042 | $594 | $417 | $109,303 |
| September 2042 | $592 | $419 | $108,884 |
| October 2042 | $590 | $422 | $108,462 |
| November 2042 | $588 | $424 | $108,039 |
| December 2042 | $585 | $426 | $107,613 |
| 2042 | $7,144 | $4,991 | $107,184 |
| January 2043 | $583 | $428 | $107,184 |
| February 2043 | $581 | $431 | $106,753 |
| March 2043 | $578 | $433 | $106,320 |
| April 2043 | $576 | $435 | $105,885 |
| May 2043 | $574 | $438 | $105,447 |
| June 2043 | $571 | $440 | $105,007 |
| July 2043 | $569 | $443 | $104,565 |
| August 2043 | $566 | $445 | $104,120 |
| September 2043 | $564 | $447 | $103,672 |
| October 2043 | $562 | $450 | $103,223 |
| November 2043 | $559 | $452 | $102,770 |
| December 2043 | $557 | $455 | $102,316 |
| 2043 | $6,810 | $5,326 | $101,859 |
| January 2044 | $554 | $457 | $101,859 |
| February 2044 | $552 | $460 | $101,399 |
| March 2044 | $549 | $462 | $100,937 |
| April 2044 | $547 | $465 | $100,472 |
| May 2044 | $544 | $467 | $100,005 |
| June 2044 | $542 | $470 | $99,536 |
| July 2044 | $539 | $472 | $99,064 |
| August 2044 | $537 | $475 | $98,589 |
| September 2044 | $534 | $477 | $98,112 |
| October 2044 | $531 | $480 | $97,632 |
| November 2044 | $529 | $482 | $97,149 |
| December 2044 | $526 | $485 | $96,664 |
| 2044 | $6,454 | $5,682 | $96,176 |
| January 2045 | $524 | $488 | $96,176 |
| February 2045 | $521 | $490 | $95,686 |
| March 2045 | $518 | $493 | $95,193 |
| April 2045 | $516 | $496 | $94,697 |
| May 2045 | $513 | $498 | $94,199 |
| June 2045 | $510 | $501 | $93,698 |
| July 2045 | $508 | $504 | $93,194 |
| August 2045 | $505 | $507 | $92,688 |
| September 2045 | $502 | $509 | $92,178 |
| October 2045 | $499 | $512 | $91,666 |
| November 2045 | $497 | $515 | $91,152 |
| December 2045 | $494 | $518 | $90,634 |
| 2045 | $6,073 | $6,063 | $90,114 |
| January 2046 | $491 | $520 | $90,114 |
| February 2046 | $488 | $523 | $89,590 |
| March 2046 | $485 | $526 | $89,064 |
| April 2046 | $482 | $529 | $88,536 |
| May 2046 | $480 | $532 | $88,004 |
| June 2046 | $477 | $535 | $87,469 |
| July 2046 | $474 | $538 | $86,932 |
| August 2046 | $471 | $540 | $86,391 |
| September 2046 | $468 | $543 | $85,848 |
| October 2046 | $465 | $546 | $85,302 |
| November 2046 | $462 | $549 | $84,752 |
| December 2046 | $459 | $552 | $84,200 |
| 2046 | $5,667 | $6,469 | $83,645 |
| January 2047 | $456 | $555 | $83,645 |
| February 2047 | $453 | $558 | $83,087 |
| March 2047 | $450 | $561 | $82,525 |
| April 2047 | $447 | $564 | $81,961 |
| May 2047 | $444 | $567 | $81,394 |
| June 2047 | $441 | $570 | $80,823 |
| July 2047 | $438 | $574 | $80,250 |
| August 2047 | $435 | $577 | $79,673 |
| September 2047 | $432 | $580 | $79,093 |
| October 2047 | $428 | $583 | $78,511 |
| November 2047 | $425 | $586 | $77,925 |
| December 2047 | $422 | $589 | $77,335 |
| 2047 | $5,234 | $6,902 | $76,743 |
| January 2048 | $419 | $592 | $76,743 |
| February 2048 | $416 | $596 | $76,147 |
| March 2048 | $412 | $599 | $75,548 |
| April 2048 | $409 | $602 | $74,946 |
| May 2048 | $406 | $605 | $74,341 |
| June 2048 | $403 | $609 | $73,732 |
| July 2048 | $399 | $612 | $73,120 |
| August 2048 | $396 | $615 | $72,505 |
| September 2048 | $393 | $619 | $71,887 |
| October 2048 | $389 | $622 | $71,265 |
| November 2048 | $386 | $625 | $70,639 |
| December 2048 | $383 | $629 | $70,011 |
| 2048 | $4,771 | $7,364 | $69,379 |
| January 2049 | $379 | $632 | $69,379 |
| February 2049 | $376 | $636 | $68,743 |
| March 2049 | $372 | $639 | $68,104 |
| April 2049 | $369 | $642 | $67,462 |
| May 2049 | $365 | $646 | $66,816 |
| June 2049 | $362 | $649 | $66,166 |
| July 2049 | $358 | $653 | $65,514 |
| August 2049 | $355 | $656 | $64,857 |
| September 2049 | $351 | $660 | $64,197 |
| October 2049 | $348 | $664 | $63,534 |
| November 2049 | $344 | $667 | $62,866 |
| December 2049 | $341 | $671 | $62,196 |
| 2049 | $4,278 | $7,857 | $61,521 |
| January 2050 | $337 | $674 | $61,521 |
| February 2050 | $333 | $678 | $60,843 |
| March 2050 | $330 | $682 | $60,161 |
| April 2050 | $326 | $685 | $59,476 |
| May 2050 | $322 | $689 | $58,787 |
| June 2050 | $318 | $693 | $58,094 |
| July 2050 | $315 | $697 | $57,397 |
| August 2050 | $311 | $700 | $56,697 |
| September 2050 | $307 | $704 | $55,993 |
| October 2050 | $303 | $708 | $55,285 |
| November 2050 | $299 | $712 | $54,573 |
| December 2050 | $296 | $716 | $53,857 |
| 2050 | $3,752 | $8,384 | $53,138 |
| January 2051 | $292 | $720 | $53,138 |
| February 2051 | $288 | $723 | $52,414 |
| March 2051 | $284 | $727 | $51,687 |
| April 2051 | $280 | $731 | $50,955 |
| May 2051 | $276 | $735 | $50,220 |
| June 2051 | $272 | $739 | $49,481 |
| July 2051 | $268 | $743 | $48,737 |
| August 2051 | $264 | $747 | $47,990 |
| September 2051 | $260 | $751 | $47,239 |
| October 2051 | $256 | $755 | $46,483 |
| November 2051 | $252 | $760 | $45,724 |
| December 2051 | $248 | $764 | $44,960 |
| 2051 | $3,191 | $8,945 | $44,192 |
| January 2052 | $244 | $768 | $44,192 |
| February 2052 | $239 | $772 | $43,420 |
| March 2052 | $235 | $776 | $42,644 |
| April 2052 | $231 | $780 | $41,864 |
| May 2052 | $227 | $785 | $41,079 |
| June 2052 | $223 | $789 | $40,291 |
| July 2052 | $218 | $793 | $39,498 |
| August 2052 | $214 | $797 | $38,700 |
| September 2052 | $210 | $802 | $37,899 |
| October 2052 | $205 | $806 | $37,093 |
| November 2052 | $201 | $810 | $36,282 |
| December 2052 | $197 | $815 | $35,467 |
| 2052 | $2,591 | $9,544 | $34,648 |
| January 2053 | $192 | $819 | $34,648 |
| February 2053 | $188 | $824 | $33,825 |
| March 2053 | $183 | $828 | $32,996 |
| April 2053 | $179 | $833 | $32,164 |
| May 2053 | $174 | $837 | $31,327 |
| June 2053 | $170 | $842 | $30,485 |
| July 2053 | $165 | $846 | $29,639 |
| August 2053 | $161 | $851 | $28,788 |
| September 2053 | $156 | $855 | $27,933 |
| October 2053 | $151 | $860 | $27,073 |
| November 2053 | $147 | $865 | $26,208 |
| December 2053 | $142 | $869 | $25,339 |
| 2053 | $1,952 | $10,183 | $24,465 |
| January 2054 | $137 | $874 | $24,465 |
| February 2054 | $133 | $879 | $23,586 |
| March 2054 | $128 | $884 | $22,702 |
| April 2054 | $123 | $888 | $21,814 |
| May 2054 | $118 | $893 | $20,921 |
| June 2054 | $113 | $898 | $20,023 |
| July 2054 | $108 | $903 | $19,120 |
| August 2054 | $104 | $908 | $18,212 |
| September 2054 | $99 | $913 | $17,300 |
| October 2054 | $94 | $918 | $16,382 |
| November 2054 | $89 | $923 | $15,460 |
| December 2054 | $84 | $928 | $14,532 |
| 2054 | $1,270 | $10,865 | $13,599 |
| January 2055 | $79 | $933 | $13,599 |
| February 2055 | $74 | $938 | $12,662 |
| March 2055 | $69 | $943 | $11,719 |
| April 2055 | $63 | $948 | $10,771 |
| May 2055 | $58 | $953 | $9,818 |
| June 2055 | $53 | $958 | $8,860 |
| July 2055 | $48 | $963 | $7,897 |
| August 2055 | $43 | $969 | $6,928 |
| September 2055 | $38 | $974 | $5,954 |
| October 2055 | $32 | $979 | $4,975 |
| November 2055 | $27 | $984 | $3,991 |
| December 2055 | $22 | $990 | $3,001 |
| 2055 | $543 | $11,593 | $2,006 |
| January 2056 | $16 | $995 | $2,006 |
| February 2056 | $11 | $1,000 | $1,006 |
| March 2056 | $5 | $1,006 | $0 |
| 2056 | $16 | $2,006 | $0 |
Tulsa, OK Mortgage Overview
The average home in Tulsa costs around $200,000. With a 20% down payment of $40,000, you would need a loan of $160,000.
Tulsa homeowners pay a property tax rate of approximately 0.88%, which translates to about $1,760 per year on the average home. Annual homeowners insurance in Tulsa averages around $2,700.
What Affects Your Tulsa Mortgage Payment?
Your monthly PITI payment in Tulsa includes four components:
- Principal — the portion that reduces your loan balance
- Interest — the cost of borrowing, based on your rate and remaining balance
- Taxes — Tulsa’s property taxes average 0.88%, lower than the Oklahoma state average of 0.9%
- Insurance — homeowners insurance in Tulsa averages $2,700/year
Tips for Tulsa Home Buyers
- Compare rates from multiple Tulsa lenders — even a 0.25% rate difference can save tens of thousands over the life of your loan
- Check your credit score before applying — a higher score means better rates
- Consider bi-weekly payments — paying every two weeks instead of monthly can shave years off your mortgage
- Factor in PMI — if your down payment is less than 20%, you’ll pay Private Mortgage Insurance until you reach 80% loan-to-value
- Look at Tulsa first-time buyer programs — many Oklahoma cities offer down payment assistance or reduced rates for first-time buyers
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