US Home Sales Tax

Taxes when buying a house in Oklahoma

Oklahoma taxes the mortgage at $0.10 for every $100 of the loan when it runs five years or longer. The lender owes it and passes it on to the borrower at closing. A cash buyer pays nothing.

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Loan amount: $320,000. Some states tax the mortgage, so the loan size changes the result there. Paying cash? Enter 100.

Estimated taxes when you buyOklahoma ยท Rates verified November 2026
Pay to the order ofState and county tax offices$320

Three hundred twenty and 00/100 dollars

On a $400,000 purchase with a $320,000 loan

Taxes the buyer pays
Mortgage registration tax$0.10 per $100 of the loan$320
Total buyer taxes$320

Taxes only. Lender fees, title insurance, flat recording fees and prepaid property tax are separate closing costs.

What a Oklahoma home buyer is taxed on

Buyer's taxes
Mortgage registration tax: $0.10 per $100 of the loan, charged on the loan amount.
Transfer tax
The seller.
Sales tax
None. A home is real estate, and sales tax does not apply to it.
Official source
Payne County Clerk, documentary stamp handout
Last verified

Oklahoma buyer taxes at common prices

Purchase priceLoan with 20% downBuyer's taxes
$150,000$120,000$120
$250,000$200,000$200
$400,000$320,000$320
$600,000$480,000$480
$1,000,000$800,000$800

Questions Oklahoma buyers ask

Do buyers pay transfer tax in Oklahoma?

The seller.

Is there a mortgage tax in Oklahoma?

Yes. The mortgage registration tax is $0.10 per $100 of the loan for terms of five years or more, and less for shorter loans. The lender is liable and normally charges it to the borrower.

Is there sales tax when you buy a house in Oklahoma?

No. Sales tax applies to goods and some services, and a house is real estate, which no state taxes that way. The one-time taxes a Oklahoma buyer does pay are listed on this page.

How much tax does a buyer pay at closing in Oklahoma?

On a $400,000 home bought with 20% down, a Oklahoma buyer pays about $320 in state and local taxes: $320 in mortgage registration tax. Lender fees, title insurance and prepaid property tax come on top.

Selling in Oklahoma? Use the Oklahoma transfer tax calculator.

Buyer taxes in other states