Mortgage Rates in Anadarko, Oklahoma — April 2026
Updated April 2026 | Based on Anadarko market data and regional lending conditions
Anadarko is a smaller Oklahoma community of 22,456 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.82% (0.17% above the national average). At a median home price of $167,500, the estimated $1,017/month payment (with 20% down) is affordable on the local median income of $53,000.
Current Mortgage Rates in Anadarko, OK
Below are the current average mortgage rates available in the Anadarko area as of April 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.04% | 5.89% | +0.15% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Anadarko Housing Market Overview
At $167,500, Anadarko offers more affordable housing than most U.S. metros. The local cost of living index is 89.3 (100 = national average), and the median household income of $53,000 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Anadarko
Based on the median home price of $167,500 with 20% down ($33,500), here is what you can expect to pay monthly in Anadarko:
15-Year vs. 30-Year Mortgage in Anadarko
Choosing a 15-year mortgage in Anadarko at 6.04% instead of a 30-year at 6.82% would save you $110,880 in total interest over the life of the loan. However, your monthly payment would be $1,134 instead of $875 — an increase of $259 per month.
Calculate Your Anadarko Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Anadarko
What are the current mortgage rates in Anadarko, OK?
As of April 2026, the average 30-year fixed mortgage rate in Anadarko, Oklahoma is 6.82%, while the 15-year fixed rate is 6.04%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Anadarko?
Based on the median home price of $167,500 with 20% down, the estimated monthly mortgage payment in Anadarko is $875 for principal and interest. Including property taxes of $142/month, the total monthly housing cost is approximately $1,017.
What income do I need to buy a home in Anadarko?
Using the 28% rule, you would need an annual income of approximately $43,586 to afford the median-priced home in Anadarko at $167,500. The median household income in Anadarko is $53,000. The median income is currently sufficient to meet this threshold.
Is Anadarko a good place to buy a home in 2026?
Anadarko offers a below-average cost of living with a cost of living index of 89.3 (national average = 100). The property tax rate in Oklahoma is 1.02%, which is near the national average. Anadarko has a population of 22,456 and offers a very affordable lifestyle.
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Last updated: April 2026. Rates are approximate averages based on regional lending data for the Anadarko, Oklahoma area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.