Mortgage Affordability Calculator for Tulsa, OK
Updated 2026 · Local data pre-filled
In Tulsa, the median household income is $57,400 per year, while the median home costs $205,000. The price-to-income ratio is 3.6x — relatively affordable for local buyers. Use this calculator to determine what you can comfortably afford based on your income.
✓ Calculator below is pre-filled with Tulsa local data
How Tulsa Compares to the National Average
Understanding how Tulsa stacks up helps you calibrate your financial planning.
| Metric | Tulsa, OK | US Average | Difference |
|---|---|---|---|
| Median Home Price | $205,000 | $420,800 | -51.3% |
| Median Monthly Rent | $875 | $1,713 | -48.9% |
| Median Household Income | $57,400 | $74,580 | -23.0% |
| Property Tax Rate | 0.90% | 1.10% | -18.2% |
| Cost of Living Index | 86 | 100 | -14.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Tulsa Financial Snapshot
- Population (Metro)
- 1,030,000
- Unemployment
- 3.8%
- Avg Commute
- 21 min
- Median Age
- 35.8
- Price-to-Rent Ratio
- 19.5x
- Annual Property Tax
- $1,845
Mortgage Affordability Calculator in Other Oklahoma Cities
Frequently Asked Questions — Tulsa
What is the median home price in Tulsa, OK?
The median home price in Tulsa is $205,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in Tulsa?
Median monthly rent in Tulsa is $875. That works out to $10,500/year, or 18% of the median household income — within the commonly recommended 30% of income guideline.
Is Tulsa affordable?
Tulsa's cost of living index is 86 vs. the national average of 100. With a median household income of $57,400/year and a median home price of $205,000, the price-to-income ratio is 3.6x. Tulsa remains relatively affordable compared to many US metros.
What is the property tax rate in Tulsa?
The effective property tax rate in Tulsa is 0.90% of assessed value. On the median home of $205,000, that's roughly $1,845/year ($154/month).