Mortgage Rates in Stilwell, Oklahoma — March 2026
Updated March 2026 | Based on Stilwell market data and regional lending conditions
Stilwell is a smaller Oklahoma community of 27,300 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.72% (0.07% above the national average). At a median home price of $152,500, the estimated $888/month payment (with 20% down) is affordable on the local median income of $52,500.
Current Mortgage Rates in Stilwell, OK
Below are the current average mortgage rates available in the Stilwell 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 | 6.72% | 6.65% | +0.07% |
| 15-Year Fixed | 5.97% | 5.89% | +0.08% |
| 5/1 ARM | 6.23% | 6.15% | +0.08% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.97% | 6.85% | +0.12% |
Stilwell Housing Market Overview
At $152,500, Stilwell offers more affordable housing than most U.S. metros. The local cost of living index is 87.8 (100 = national average), and the median household income of $52,500 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Stilwell
Based on the median home price of $152,500 with 20% down ($30,500), here is what you can expect to pay monthly in Stilwell:
15-Year vs. 30-Year Mortgage in Stilwell
Choosing a 15-year mortgage in Stilwell at 5.97% instead of a 30-year at 6.72% would save you $99,000 in total interest over the life of the loan. However, your monthly payment would be $1,028 instead of $789 — an increase of $239 per month.
Calculate Your Stilwell 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 Stilwell
What are the current mortgage rates in Stilwell, OK?
As of March 2026, the average 30-year fixed mortgage rate in Stilwell, Oklahoma is 6.72%, while the 15-year fixed rate is 5.97%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.07% above the national average of 6.65%.
How much is a monthly mortgage payment in Stilwell?
Based on the median home price of $152,500 with 20% down, the estimated monthly mortgage payment in Stilwell is $789 for principal and interest. Including property taxes of $99/month, the total monthly housing cost is approximately $888.
What income do I need to buy a home in Stilwell?
Using the 28% rule, you would need an annual income of approximately $38,057 to afford the median-priced home in Stilwell at $152,500. The median household income in Stilwell is $52,500. The median income is currently sufficient to meet this threshold.
Is Stilwell a good place to buy a home in 2026?
Stilwell offers a below-average cost of living with a cost of living index of 87.8 (national average = 100). The property tax rate in Oklahoma is 0.78%, which is below the national average. Stilwell has a population of 27,300 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 Stilwell, Oklahoma area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.