North Carolina vs Oklahoma: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between North Carolina and Oklahoma. Updated for 2026.
Metric
North Carolina
Oklahoma
Median Home Price
$340K
$210K
Property Tax Rate
0.78%
0.88%
Avg Closing Costs
$5K
$3K
Closing Cost %
1.4%
1.3%
Transfer Tax
0.2%
0.075%
Homeowners Insurance
$2,300/yr
$3,600/yr
First-Time Buyer Program
NC Home Advantage Mortgage
Up to 5% DPA
OHFA Homebuyer DPA
Up to 3.5% DPA
Verdict
Oklahoma wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $210K and lower overall costs, Oklahoma offers meaningful savings compared to North Carolina. Both states offer first-time buyer programs — explore the state pages for full details.