Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Nebraska and Oklahoma. Updated for 2026.
Metric
Nebraska
Oklahoma
Median Home Price
$245K
$210K
Property Tax Rate
1.73%
0.88%
Avg Closing Costs
$3K
$3K
Closing Cost %
1.3%
1.3%
Transfer Tax
0.23%
0.075%
Homeowners Insurance
$2,800/yr
$3,600/yr
First-Time Buyer Program
NIFA Homebuyer Assistance
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 Nebraska. Both states offer first-time buyer programs — explore the state pages for full details.