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Closing Costs: Edmond, OK

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Edmond, Oklahoma.

Median Home Price
$315K
Population
99K
Avg Monthly Rent
$1,350
Property Tax Rate
0.88%
Edmond vs Oklahoma Median
The median home price in Edmond is $315,000, which is 50% above the Oklahoma state median of $210,000.

Mortgage Calculator — Edmond, OK

Pre-filled with Edmond median home price and Oklahoma tax/insurance rates. Adjust for your property.

$
$63,000
%
%
years
OK avg
%
$
Monthly Payment (PITI)
$2,124
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,593
per month
Taxes & Insurance
$531
per month
Total Interest Paid
$321K
over 30 years
Total Loan Cost
$573K
all payments
Payment Breakdown
Loan Amount$252,000
Principal & Interest$1,593
Property Taxes$231
Homeowners Insurance$300
Total Monthly PITI$2,124

Closing Costs — Edmond, OK

Estimated closing costs based on Oklahoma rates and fees applied to Edmond prices.

$
%
Oklahoma: Avg closing costs 1.3% of price. Transfer tax: 0.075%.
Estimated Closing Costs
$12,298
3.9% of purchase price
Lender Fees
$2,693
origination, underwriting
Third-Party
$3,025
appraisal, title, inspection
Government Fees
$236
transfer taxes, recording
Prepaids + Escrow
$6,343
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,268
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,875
Recording Fee$150
Transfer Tax$236
Prepaid Taxes (3 mo)$693
Prepaid Insurance (12 mo)$3,600
Prepaid Interest (15 days)$757
Escrow Reserves$1,293
Total Closing Costs$12,298

Buying a Home in Edmond, Oklahoma

The median home price in Edmond is $315,000, 50% above the Oklahoma state median of $210,000. With a population of 99,350, Edmond is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Oklahoma average 0.88% annually. This moderate property tax rate means a $315,000 home in Edmond would carry roughly $231/month in property taxes. Homeowners insurance in Oklahoma runs approximately $3,600 per year. Insurance costs are notably high — factor this into your monthly budget.

Average rent in Edmond is $1,350/month. The price-to-rent ratio in Edmond is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Edmond presents moderate affordability. The $315K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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Compare total costs of renting vs buying in Edmond.
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