Mortgage Rates in Guthrie, Oklahoma — March 2026
Updated March 2026 | Based on Guthrie market data and regional lending conditions
Guthrie is a growing city in Oklahoma with a population of 11,654. The current 30-year fixed mortgage rate in Guthrie is 6.87%, which is 0.22% above the national average. With a median home price of $178,000 and a 20% down payment of $35,600, homebuyers can expect a monthly principal and interest payment of approximately $935.
Current Mortgage Rates in Guthrie, OK
Below are the current average mortgage rates available in the Guthrie area as of March 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 | 6.87% | 6.65% | +0.22% |
| 15-Year Fixed | 6.09% | 5.89% | +0.2% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.12% | 6.85% | +0.27% |
Guthrie Housing Market Overview
The Guthrie housing market offers relatively affordable housing compared to many major cities. The median household income in Guthrie is $46,600, and the cost of living index is 88.2 (national average = 100). Based on the 28% affordability rule, the median income in Guthrie is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Guthrie
Based on the median home price of $178,000 with 20% down ($35,600), here is what you can expect to pay monthly in Guthrie:
15-Year vs. 30-Year Mortgage in Guthrie
Choosing a 15-year mortgage in Guthrie at 6.09% instead of a 30-year at 6.87% would save you $118,980 in total interest over the life of the loan. However, your monthly payment would be $1,209 instead of $935 — an increase of $274 per month.
Calculate Your Guthrie 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 Guthrie
What are the current mortgage rates in Guthrie, OK?
As of March 2026, the average 30-year fixed mortgage rate in Guthrie, Oklahoma is 6.87%, while the 15-year fixed rate is 6.09%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.22% above the national average of 6.65%.
How much is a monthly mortgage payment in Guthrie?
Based on the median home price of $178,000 with 20% down, the estimated monthly mortgage payment in Guthrie is $935 for principal and interest. Including property taxes of $123/month, the total monthly housing cost is approximately $1,058.
What income do I need to buy a home in Guthrie?
Using the 28% rule, you would need an annual income of approximately $45,343 to afford the median-priced home in Guthrie at $178,000. The median household income in Guthrie is $46,600. The median income is currently sufficient to meet this threshold.
Is Guthrie a good place to buy a home in 2026?
Guthrie offers a below-average cost of living with a cost of living index of 88.2 (national average = 100). The property tax rate in Oklahoma is 0.83%, which is near the national average. Guthrie has a population of 11,654 and offers a very affordable lifestyle.
Mortgage Rates in Other Oklahoma Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Guthrie, Oklahoma area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.