Tulsa FHA Loan Rates, Closing Costs & Stats

TULSA, OK

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Tulsa's 145 lenders originated 3,470 FHA loans during 2024. The total origination value was $815,720,000, with an average FHA loan value of $235,078.

    Tulsa FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Tulsa averaged 6.42% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Tulsa's average FHA mortgage closing costs are $7,960.

    The average rate for the prior week (2025-03-28) was 6.32% and one month ago for the week of 2025-02-28, the average rate was 6.6%.

    The average rate one year ago was 6.72%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.9%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Tulsa FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Tulsa level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    ASSOCIATED MORTGAGE CORPORATION 312 6.38% $10,428
    FLAT BRANCH MORTGAGE, INC. 252 6.66% $9,532
    First United Bank and Trust Company 232 6.01% $11,763
    QUICKEN LOANS, LLC 200 6.33% $11,262
    THE MORTGAGE LINK, INC. 178 6.49% $16,355
    UNITED WHOLESALE MORTGAGE, LLC 132 6.24% $11,795
    Arvest Bank 126 6.62% $9,092
    BOKF 115 6.65% $9,852
    US MORTGAGE CORPORATION 93 6.58% $10,408
    Waterstone Mortgage Corporation 80 6.57% $11,390
    Stride Bank 79 6.37% $11,398
    DHI MORTGAGE COMPANY, LTD. 78 5.11% $7,683
    American Mortgage Bank, LLC 65 6.61% $11,141
    BROKER SOLUTIONS, INC. 53 6.80% $11,778
    FREEDOM MORTGAGE CORPORATION 52 6.46% $12,114
    PENNYMAC LOAN SERVICES, LLC 52 6.14% $9,378
    LOANDEPOT.COM, LLC 41 6.50% $11,162
    American Bank of Oklahoma 34 6.23% $8,824
    CROSSCOUNTRY MORTGAGE, LLC 31 6.55% $12,305
    AMERICAN FINANCIAL NETWORK, INC. 29 6.72% $12,190
    Gateway First Bank 29 6.53% $10,821
    American Mortgage & Equity Consultants, Inc. 27 6.94% $12,962
    The Central Trust Bank 27 6.18% $10,460
    CORNERSTONE HOME LENDING, INC. 24 6.81% $11,481
    NEWREZ LLC 23 6.60% $10,259
    BancFirst 22 6.81% $8,398
    MID AMERICA MORTGAGE, INC. 22 6.49% $7,665
    T2 FINANCIAL LLC 21 6.23% $11,910
    MORTGAGE SOLUTIONS OF COLORADO, LLC 20 6.88% $12,248
    RCB Bank 19 6.36% $8,641
    SUCCESS MORTGAGE PARTNERS, INC. 18 6.59% $15,081
    MUTUAL OF OMAHA MORTGAGE, INC. 18 6.46% $15,301
    GUILD MORTGAGE COMPANY 18 6.78% $8,454
    Equity Prime Mortgage LLC 18 6.88% $10,846
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 17 6.70% $10,616
    Mr. Cooper ( Nationstar Mortgage ) 15 6.58% $14,597
    Firstar Bank 15 6.23% $9,201
    Carrington Mortgage Services, LLC 15 6.23% $12,866
    DEVELOPER'S MORTGAGE COMPANY 14 7.08% $8,961
    OPEN MORTGAGE, LLC 14 6.57% $12,071
    Mabrey Bank 13 6.25% $8,961
    UNION HOME MORTGAGE CORP. 13 6.41% $11,838
    AmeriHome Mortgage Company, LLC 13 6.72% $7,850
    Regent Financial Group, Inc. 10 6.85% $10,969
    AMERISAVE MORTGAGE CORPORATION 10 6.31% $12,260
    Chickasaw Community Bank 10 6.51% $8,430
    LOANPAL, LLC 10 5.80% $11,878
    GUARANTEED RATE, INC. 9 6.44% $9,784
    LAKEVIEW LOAN SERVICING, LLC 8 6.05% $12,229
    NEW FED MORTGAGE, CORP. 8 6.69% $10,806
    MOVEMENT MORTGAGE, LLC 8 6.83% $10,472
    AMERICAN FINANCING CORPORATION 8 6.20% $10,930
    V.I.P. MORTGAGE, INC. 7 6.34% $9,271
    AMERICAN FINANCIAL RESOURCES, INC. 7 6.32% $13,980
    PRIMELENDING, A PLAINSCAPITAL COMPANY 7 7.04% $11,290
    CARDINAL FINANCIAL 7 6.59% $13,072
    TOWNE MORTGAGE COMPANY 7 6.50% $9,532
    Mortgage Research Center, LLC 6 6.67% $6,803
    ENDEAVOR CAPITAL, LLC. 6 6.06% $10,397
    Century Mortgage Company DBA Century Lending Company 6 6.56% $6,968
    International Bank of Commerce 6 6.58% $11,268
    PLANET HOME LENDING, LLC 6 6.27% $6,677
    SENTE MORTGAGE, INC. 6 7.35% $10,945
    PHH Mortgage Corporation 5 6.27% $14,036
    ZILLOW HOME LOANS, LLC 5 6.58% $8,948
    SUN WEST MORTGAGE COMPANY, INC. 5 6.00% $12,569
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.42% $8,558
    POLARIS HOME FUNDING CORP. 5 6.70% $14,815
    Mortgage Investment Services Corporation 5 6.58% $6,960
    Nations Lending Corporation 5 6.15% $14,728
    Servion, Inc. 5 6.88% $7,378
    INTERLINC MORTGAGE SERVICES, LLC 4 6.81% $6,767
    AMERICAN PACIFIC MORTGAGE CORPORATION 4 6.72% $9,821
    SOUTHWEST FUNDING, LP 4 6.84% $13,573
    Paramount Residential Mortgage Group, Inc. 4 6.50% $14,091
    HOMEBRIDGE FINANCIAL SERVICES, INC. 4 6.25% $5,974
    Great Plains National Bank 4 6.31% $9,427
    GENEVA FINANCIAL, LLC 4 6.81% $14,895
    NBKC BANK 3 6.46% $10,650
    TTCU Federal Credit Union 3 6.42% $6,969
    CMG MORTGAGE, INC. 3 6.04% $13,670
    CHURCHILL MORTGAGE CORPORATION 3 6.25% $9,842
    EVERETT FINANCIAL, INC. 3 6.54% $10,344
    HOMESIDE FINANCIAL, LLC 3 6.38% $12,406
    JPMorgan Chase Bank 3 6.42% $5,978
    Barrington Bank & Trust Company, N.A. 3 6.75% $8,750
    GARDNER FINANCIAL SERVICES, LTD. 3 6.79% $11,094
    Bank of America 3 6.00% $6,243
    The Loan Store, Inc. 2 6.63% $7,842
    S1L, Inc. 2 6.44% $12,059
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 6.69% $10,062
    BETTER MORTGAGE CORPORATION 2 6.38% $9,071
    FBC MORTGAGE, LLC 2 6.25% $12,151
    Members Mortgage Services, L.L.C. 2 7.00% $11,798
    PENTAGON FEDERAL CREDIT UNION 2 6.06% $10,208
    Flagstar Bank, FSB 2 6.51% $8,041
    RUOFF MORTGAGE COMPANY, INC. 2 6.38% $9,213
    Plains Commerce Bank 2 6.69% $11,972
    LAND HOME FINANCIAL SERVICES, INC. 2 7.25% $19,829
    PLAZA HOME MORTGAGE, INC. 2 6.06% $11,484
    Sierra Pacific Mortgage Company, Inc. 2 6.50% $12,456
    SFMC, LP 2 6.88% $11,424
    VILLAGE CAPITAL MORTGAGE 2 6.50% $8,272
    SECURITYNATIONAL MORTGAGE COMPANY 2 7.44% $10,587
    VAN DYK MORTGAGE CORPORATION 2 6.38% $5,509
    TruHome Solutions, LLC 2 6.38% $8,739
    ROYAL UNITED MORTGAGE LLC 2 7.06% $7,721
    NEW DAY FINANCIAL, LLC 2 7.38% $3,877
    TOP FLITE FINANCIAL, INC. 2 6.13% $11,486
    FIRST COMMUNITY MORTGAGE, INC. 1 6.49% $9,140
    First National Bank and Trust Company 1 6.00% $7,683
    FIRST AMERICAN MORTGAGE, INC. 1 6.75% $9,084
    FIRST WESTERN MORTGAGE, INC. 1 6.00% $4,438
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.25% $8,441
    Goldwater Bank, N.A. 1 6.50% $7,859
    Equity Bank 1 6.25% $7,322
    Lakeview Community Capital, LLC 1 5.75% $9,923
    LEADERONE FINANCIAL CORPORATION 1 6.63% $10,077
    Cornerstone First Mortgage, Inc 1 7.75% $5,682
    Commerce Bank 1 7.63% $7,826
    MidFirst Bank 1 7.00% $6,881
    MORTGAGEONE, INC. 1 6.75% $14,900
    NORWICH COMMERCIAL GROUP, INC. 1 7.25% $8,336
    Old National Bank 1 5.50% $6,930
    BECKAM FUNDING CORP. 1 6.13% $10,838
    Pinnacle Bank 1 6.13% $8,268
    PREMIA MORTGAGE, LLC 1 6.13% $11,516
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 8.75% $9,068
    Prosperity Bank 1 6.13% $8,948
    RANLIFE, INC. 1 5.88% $16,872
    Affiliated Bank 1 7.00% $9,751
    Simmons Bank 1 7.38% $9,011
    AXIA FINANCIAL, LLC 1 7.75% $8,481
    Assurance Financial Group, L.L.C. 1 6.75% $13,347
    SUMMIT FUNDING, INC. 1 7.63% $11,913
    SWBC MORTGAGE CORPORATION 1 5.75% $10,790
    Armed Forces Bank 1 6.63% $4,105
    Texana Bank 1 7.50% $12,098
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.38% $5,933
    TOTAL MORTGAGE SERVICES, LLC 1 7.63% $11,964
    AMERICAN HOMESTAR MORTGAGE, L.L.C. 1 5.00% $15,310
    U.S. Bank 1 7.25% $8,061
    Wells Fargo Bank 1 6.13% $9,815
    Willamette Valley Bank 1 5.75% $12,798
    First Federal Bank 1 6.00% $12,648

    The top Tulsa FHA lender as defined by loan originations is ASSOCIATED MORTGAGE CORPORATION, with 312 FHA loans originated. Their average total fees are $10,428, which is $896 higher than the next largest lender, FLAT BRANCH MORTGAGE, INC..

    The lowest fee Tulsa FHA lenders (with over 10 loans originated) are MID AMERICA MORTGAGE, INC. ($7,665), DHI MORTGAGE COMPANY, LTD. ($7,683), AmeriHome Mortgage Company, LLC ($7,850), BancFirst ($8,398) and Chickasaw Community Bank ($8,430).

    The lowest rate Tulsa FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.11%), LOANPAL, LLC (5.80%), First United Bank and Trust Company (6.01%), PENNYMAC LOAN SERVICES, LLC (6.14%) and The Central Trust Bank (6.18%).

    Tulsa FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    TULSA, OK CREEK 2022 $420,680 $538,650 $651,050 $809,150
    TULSA, OK OKMULGEE 2022 $420,680 $538,650 $651,050 $809,150
    TULSA, OK OSAGE 2022 $420,680 $538,650 $651,050 $809,150
    TULSA, OK PAWNEE 2022 $420,680 $538,650 $651,050 $809,150
    TULSA, OK ROGERS 2022 $420,680 $538,650 $651,050 $809,150
    TULSA, OK TULSA 2022 $420,680 $538,650 $651,050 $809,150
    TULSA, OK WAGONER 2022 $420,680 $538,650 $651,050 $809,150
    TULSA, OK CREEK 2023 $472,030 $604,400 $730,525 $907,900
    TULSA, OK OKMULGEE 2023 $472,030 $604,400 $730,525 $907,900
    TULSA, OK OSAGE 2023 $472,030 $604,400 $730,525 $907,900
    TULSA, OK PAWNEE 2023 $472,030 $604,400 $730,525 $907,900
    TULSA, OK ROGERS 2023 $472,030 $604,400 $730,525 $907,900
    TULSA, OK TULSA 2023 $472,030 $604,400 $730,525 $907,900
    TULSA, OK WAGONER 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Tulsa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $203,000 (4.1%) $271,321 (2.3%) 0.75 3,983
    2018-02-01 $207,956 (4.1%) $272,234 (0.8%) 0.76 3,898
    2018-03-01 $215,000 (6.2%) $282,598 (3.4%) 0.75 3,890
    2018-04-01 $219,900 (5.0%) $290,016 (3.2%) 0.75 3,917
    2018-05-01 $219,900 (3.0%) $290,114 (2.1%) 0.73 4,087
    2018-06-01 $217,500 (-0.3%) $287,042 (-0.1%) 0.73 4,305
    2018-07-01 $214,975 (0.0%) $287,533 (2.1%) 0.72 4,440
    2018-08-01 $213,900 (-1.8%) $287,182 (1.1%) 0.72 4,491
    2018-09-01 $213,100 (1.5%) $285,970 (2.2%) 0.72 4,481
    2018-10-01 $213,900 (1.9%) $284,302 (1.4%) 0.72 4,340
    2018-11-01 $218,750 (6.2%) $287,669 (3.4%) 0.74 4,087
    2018-12-01 $214,975 (7.5%) $284,471 (4.1%) 0.74 3,948
    2019-01-01 $214,950 (5.9%) $286,046 (5.4%) 0.74 3,687
    2019-02-01 $219,950 (5.8%) $294,045 (8.0%) 0.74 3,543
    2019-03-01 $229,114 (6.6%) $304,404 (7.7%) 0.75 3,433
    2019-04-01 $231,664 (5.4%) $311,473 (7.4%) 0.74 3,388
    2019-05-01 $239,250 (8.8%) $323,404 (11.5%) 0.75 3,394
    2019-06-01 $236,900 (8.9%) $326,217 (13.7%) 0.74 3,492
    2019-07-01 $239,900 (11.6%) $328,888 (14.4%) 0.75 3,506
    2019-08-01 $240,818 (12.6%) $326,353 (13.6%) 0.76 3,419
    2019-09-01 $243,170 (14.1%) $329,424 (15.2%) 0.78 3,287
    2019-10-01 $245,000 (14.5%) $331,379 (16.6%) 0.79 3,233
    2019-11-01 $245,000 (12.0%) $325,804 (13.3%) 0.80 3,140
    2019-12-01 $249,700 (16.2%) $493,261 (73.4%) 0.83 2,952
    2020-01-01 $239,700 (11.5%) $317,556 (11.0%) 0.80 2,844
    2020-02-01 $244,635 (11.2%) $325,267 (10.6%) 0.80 2,705
    2020-03-01 $255,325 (11.4%) $333,525 (9.6%) 0.80 2,702
    2020-04-01 $259,900 (12.2%) $336,137 (7.9%) 0.81 2,669
    2020-05-01 $265,500 (11.0%) $350,559 (8.4%) 0.81 2,526
    2020-06-01 $281,375 (18.8%) $360,709 (10.6%) 0.83 2,293
    2020-07-01 $293,625 (22.4%) $381,751 (16.1%) 0.85 2,169
    2020-08-01 $279,900 (16.2%) $370,475 (13.5%) 0.80 2,014
    2020-09-01 $281,225 (15.7%) $371,644 (12.8%) 0.81 1,906
    2020-10-01 $271,687 (10.9%) $366,167 (10.5%) 0.78 1,900
    2020-11-01 $267,450 (9.2%) $368,959 (13.3%) 0.78 1,883
    2020-12-01 $265,000 (6.1%) $365,980 (-25.8%) 0.79 1,643
    2021-01-01 $269,000 (12.2%) $400,746 (26.2%) 0.80 1,364
    2021-02-01 $252,575 (3.3%) $373,982 (15.0%) 0.74 1,165
    2021-03-01 $289,000 (13.2%) $402,064 (20.6%) 0.82 1,024
    2021-04-01 $272,500 (4.9%) $1,130,084 (236.2%) 0.74 1,089
    2021-05-01 $275,000 (3.6%) $404,522 (15.4%) 0.73 1,089
    2021-06-01 $252,500 (-10.3%) $383,590 (6.3%) 0.66 1,217
    2021-07-01 $255,450 (-13.0%) $377,498 (-1.1%) 0.67 1,390
    2021-08-01 $265,000 (-5.3%) $365,886 (-1.2%) 0.71 1,535
    2021-09-01 $265,000 (-5.8%) $367,754 (-1.1%) 0.71 1,497
    2021-10-01 $265,000 (-2.5%) $374,274 (2.2%) 0.71 1,459
    2021-11-01 $254,087 (-5.0%) $370,320 (0.4%) 0.68 1,314
    2021-12-01 $251,450 (-5.1%) $366,281 (0.1%) 0.68 1,119
    2022-01-01 $260,000 (-3.4%) $385,176 (-3.9%) 0.70 926
    2022-02-01 $273,310 (8.2%) $401,266 (7.3%) 0.71 830
    2022-03-01 $272,185 (-5.8%) $404,593 (0.6%) 0.68 769
    2022-04-01 $295,000 (8.3%) $408,297 (-63.9%) 0.70 843
    2022-05-01 $297,500 (8.2%) $408,192 (0.9%) 0.68 1,067
    2022-06-01 $299,950 (18.8%) $411,896 (7.4%) 0.67 1,232
    2022-07-01 $313,964 (22.9%) $397,709 (5.4%) 0.71 1,675
    2022-08-01 $313,269 (18.2%) $395,518 (8.1%) 0.72 1,848
    2022-09-01 $315,589 (19.1%) $390,205 (6.1%) 0.74 1,939
    2022-10-01 $319,250 (20.5%) $390,755 (4.4%) 0.75 2,048
    2022-11-01 $316,995 (24.8%) $389,293 (5.1%) 0.76 2,098
    2022-12-01 $330,000 (31.2%) $399,650 (9.1%) 0.81 1,994
    2023-01-01 $344,748 (32.6%) $409,584 (6.3%) 0.85 1,924
    2023-02-01 $354,262 (29.6%) $417,527 (4.1%) 0.85 1,783
    2023-03-01 $361,950 (33.0%) $428,317 (5.9%) 0.85 1,763
    2023-04-01 $369,900 (25.4%) $430,784 (5.5%) 0.86 1,822
    2023-05-01 $369,450 (24.2%) $441,978 (8.3%) 0.84 1,858
    2023-06-01 $364,450 (21.5%) $440,040 (6.8%) 0.82 1,974
    2023-07-01 $364,195 (16.0%) $436,995 (9.9%) 0.83 2,042
    2023-08-01 $350,000 (11.7%) $436,462 (10.4%) 0.80 2,110
    2023-09-01 $349,000 (10.6%) $430,536 (10.3%) 0.81 2,146
    2023-10-01 $340,000 (6.5%) $425,041 (8.8%) 0.80 2,266
    2023-11-01 $341,375 (7.7%) $422,550 (8.5%) 0.81 2,382
    2023-12-01 $340,000 (3.0%) $421,717 (5.5%) 0.83 2,347
    2024-01-01 $344,950 (0.1%) $421,826 (3.0%) 0.84 2,213
    2024-02-01 $342,500 (-3.3%) $422,818 (1.3%) 0.82 2,116
    2024-03-01 $339,923 (-6.1%) $425,408 (-0.7%) 0.80 2,128
    2024-04-01 $334,948 (-9.5%) $431,834 (0.2%) 0.78 2,219
    2024-05-01 $337,700 (-8.6%) $431,622 (-2.3%) 0.77 2,362
    2024-06-01 $334,925 (-8.1%) $424,523 (-3.5%) 0.76 2,596
    2024-07-01 $327,000 (-10.2%) $414,375 (-5.2%) 0.75 2,756
    2024-08-01 $325,000 (-7.1%) $409,153 (-6.3%) 0.76 2,934
    2024-09-01 $325,000 (-6.9%) $408,938 (-5.0%) 0.76 3,039
    2024-10-01 $325,000 (-4.4%) $400,840 (-5.7%) 0.76 3,099
    2024-11-01 $319,995 (-6.3%) $395,233 (-6.5%) 0.77 3,114
    2024-12-01 $319,900 (-5.9%) $392,047 (-7.0%) 0.79 2,945
    2025-01-01 $320,000 (-7.2%) $393,498 (-6.7%) 0.80 2,778
    2025-02-01 $321,951 (-6.0%) $399,786 (-5.5%) 0.78 2,726
    2025-03-01 $329,900 (-3.0%) $414,670 (-2.5%) 0.00 2,691
    Tulsa's median listing price for 2025-03-01 was $329,900, a difference of $-10,023 (-3.0%) versus the prior year and $7,949 versus the prior month.

    Tulsa's median listing price comes in at 0% of the national average.

    Tulsa's average listing price for 2025-03-01 was $414,670, a difference of $-10,738 (-2.5%) versus the prior year and $14,884 versus the prior month.

    For the 2025-03-01 period, Tulsa had 2,691 MLS listings, a difference of -35 listings (-1%) versus the prior month and 563 listings (26%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Tulsa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 71 days 2,102 sqft
    2018-02-01 66 days 2,108 sqft
    2018-03-01 53 days 2,184 sqft
    2018-04-01 51 days 2,214 sqft
    2018-05-01 49 days 2,201 sqft
    2018-06-01 51 days 2,189 sqft
    2018-07-01 58 days 2,180 sqft
    2018-08-01 58 days 2,162 sqft
    2018-09-01 60 days 2,143 sqft
    2018-10-01 65 days 2,129 sqft
    2018-11-01 65 days 2,147 sqft
    2018-12-01 67 days 2,125 sqft
    2019-01-01 71 days 2,124 sqft
    2019-02-01 60 days 2,166 sqft
    2019-03-01 51 days 2,223 sqft
    2019-04-01 52 days 2,250 sqft
    2019-05-01 50 days 2,292 sqft
    2019-06-01 53 days 2,258 sqft
    2019-07-01 58 days 2,275 sqft
    2019-08-01 58 days 2,286 sqft
    2019-09-01 60 days 2,303 sqft
    2019-10-01 60 days 2,319 sqft
    2019-11-01 60 days 2,286 sqft
    2019-12-01 65 days 2,282 sqft
    2020-01-01 71 days 2,227 sqft
    2020-02-01 65 days 2,214 sqft
    2020-03-01 51 days 2,265 sqft
    2020-04-01 54 days 2,267 sqft
    2020-05-01 54 days 2,294 sqft
    2020-06-01 53 days 2,339 sqft
    2020-07-01 52 days 2,433 sqft
    2020-08-01 50 days 2,357 sqft
    2020-09-01 50 days 2,344 sqft
    2020-10-01 49 days 2,290 sqft
    2020-11-01 51 days 2,228 sqft
    2020-12-01 59 days 2,231 sqft
    2021-01-01 64 days 2,214 sqft
    2021-02-01 62 days 2,088 sqft
    2021-03-01 49 days 2,261 sqft
    2021-04-01 42 days 2,136 sqft
    2021-05-01 38 days 2,135 sqft
    2021-06-01 37 days 2,016 sqft
    2021-07-01 36 days 2,012 sqft
    2021-08-01 37 days 2,021 sqft
    2021-09-01 40 days 1,989 sqft
    2021-10-01 45 days 1,999 sqft
    2021-11-01 46 days 1,932 sqft
    2021-12-01 51 days 1,941 sqft
    2022-01-01 53 days 1,951 sqft
    2022-02-01 43 days 2,006 sqft
    2022-03-01 39 days 1,936 sqft
    2022-04-01 31 days 2,027 sqft
    2022-05-01 33 days 2,028 sqft
    2022-06-01 36 days 2,048 sqft
    2022-07-01 31 days 2,024 sqft
    2022-08-01 39 days 2,046 sqft
    2022-09-01 45 days 2,055 sqft
    2022-10-01 47 days 2,087 sqft
    2022-11-01 52 days 2,079 sqft
    2022-12-01 59 days 2,121 sqft
    2023-01-01 65 days 2,164 sqft
    2023-02-01 58 days 2,178 sqft
    2023-03-01 52 days 2,227 sqft
    2023-04-01 46 days 2,240 sqft
    2023-05-01 48 days 2,239 sqft
    2023-06-01 48 days 2,245 sqft
    2023-07-01 48 days 2,239 sqft
    2023-08-01 48 days 2,204 sqft
    2023-09-01 47 days 2,165 sqft
    2023-10-01 50 days 2,134 sqft
    2023-11-01 51 days 2,134 sqft
    2023-12-01 58 days 2,121 sqft
    2024-01-01 66 days 2,082 sqft
    2024-02-01 64 days 2,065 sqft
    2024-03-01 48 days 2,055 sqft
    2024-04-01 43 days 2,053 sqft
    2024-05-01 42 days 2,070 sqft
    2024-06-01 44 days 2,058 sqft
    2024-07-01 50 days 2,044 sqft
    2024-08-01 51 days 2,043 sqft
    2024-09-01 52 days 2,043 sqft
    2024-10-01 57 days 2,017 sqft
    2024-11-01 58 days 1,990 sqft
    2024-12-01 68 days 1,968 sqft
    2025-01-01 68 days 1,967 sqft
    2025-02-01 63 days 1,974 sqft
    2025-03-01 0 days 2,000 sqft
    Tulsa's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Tulsa's median square footage for active listings during the 2025-03-01 period was 2,000 sqft. One year prior, the average listing was 2,055 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).