Mortgage Rates in Pauls Valley, Oklahoma — March 2026
Updated March 2026 | Based on Pauls Valley market data and regional lending conditions
Pauls Valley is a smaller Oklahoma community of 38,195 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 $175,000, the estimated $1,038/month payment (with 20% down) is affordable on the local median income of $47,500.
Current Mortgage Rates in Pauls Valley, OK
Below are the current average mortgage rates available in the Pauls Valley 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 | 6.82% | 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% |
Pauls Valley Housing Market Overview
At $175,000, Pauls Valley offers more affordable housing than most U.S. metros. The local cost of living index is 83 (100 = national average), and the median household income of $47,500 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Pauls Valley
Based on the median home price of $175,000 with 20% down ($35,000), here is what you can expect to pay monthly in Pauls Valley:
15-Year vs. 30-Year Mortgage in Pauls Valley
Choosing a 15-year mortgage in Pauls Valley at 6.04% instead of a 30-year at 6.82% would save you $116,280 in total interest over the life of the loan. However, your monthly payment would be $1,184 instead of $915 — an increase of $269 per month.
Calculate Your Pauls Valley 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 Pauls Valley
What are the current mortgage rates in Pauls Valley, OK?
As of March 2026, the average 30-year fixed mortgage rate in Pauls Valley, 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 Pauls Valley?
Based on the median home price of $175,000 with 20% down, the estimated monthly mortgage payment in Pauls Valley is $915 for principal and interest. Including property taxes of $123/month, the total monthly housing cost is approximately $1,038.
What income do I need to buy a home in Pauls Valley?
Using the 28% rule, you would need an annual income of approximately $44,486 to afford the median-priced home in Pauls Valley at $175,000. The median household income in Pauls Valley is $47,500. The median income is currently sufficient to meet this threshold.
Is Pauls Valley a good place to buy a home in 2026?
Pauls Valley offers a below-average cost of living with a cost of living index of 83 (national average = 100). The property tax rate in Oklahoma is 0.84%, which is near the national average. Pauls Valley has a population of 38,195 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 Pauls Valley, Oklahoma area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.