Mortgage Rates in Warr Acres, Oklahoma — March 2026
Updated March 2026 | Based on Warr Acres market data and regional lending conditions
Warr Acres is a growing city in Oklahoma with a population of 10,567. The current 30-year fixed mortgage rate in Warr Acres is 6.86%, which is 0.21% above the national average. With a median home price of $172,000 and a 20% down payment of $34,400, homebuyers can expect a monthly principal and interest payment of approximately $903.
Current Mortgage Rates in Warr Acres, OK
Below are the current average mortgage rates available in the Warr Acres 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 | 6.86% | 6.65% | +0.21% |
| 15-Year Fixed | 6.08% | 5.89% | +0.19% |
| 5/1 ARM | 6.31% | 6.15% | +0.16% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.11% | 6.85% | +0.26% |
Warr Acres Housing Market Overview
The Warr Acres housing market offers relatively affordable housing compared to many major cities. The median household income in Warr Acres is $48,600, and the cost of living index is 79.1 (national average = 100). Based on the 28% affordability rule, the median income in Warr Acres is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Warr Acres
Based on the median home price of $172,000 with 20% down ($34,400), here is what you can expect to pay monthly in Warr Acres:
15-Year vs. 30-Year Mortgage in Warr Acres
Choosing a 15-year mortgage in Warr Acres at 6.08% instead of a 30-year at 6.86% would save you $115,020 in total interest over the life of the loan. However, your monthly payment would be $1,167 instead of $903 — an increase of $264 per month.
Calculate Your Warr Acres 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 Warr Acres
What are the current mortgage rates in Warr Acres, OK?
As of March 2026, the average 30-year fixed mortgage rate in Warr Acres, Oklahoma is 6.86%, while the 15-year fixed rate is 6.08%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.21% above the national average of 6.65%.
How much is a monthly mortgage payment in Warr Acres?
Based on the median home price of $172,000 with 20% down, the estimated monthly mortgage payment in Warr Acres is $903 for principal and interest. Including property taxes of $116/month, the total monthly housing cost is approximately $1,019.
What income do I need to buy a home in Warr Acres?
Using the 28% rule, you would need an annual income of approximately $43,671 to afford the median-priced home in Warr Acres at $172,000. The median household income in Warr Acres is $48,600. The median income is currently sufficient to meet this threshold.
Is Warr Acres a good place to buy a home in 2026?
Warr Acres offers a below-average cost of living with a cost of living index of 79.1 (national average = 100). The property tax rate in Oklahoma is 0.81%, which is near the national average. Warr Acres has a population of 10,567 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 Warr Acres, Oklahoma area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.