What are the loan limits in each Oklahoma county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Adair County | $832,750 | $541,287 | $693,050 | $111,500 |
| Alfalfa County | $832,750 | $541,287 | $693,050 | $103,000 |
| Atoka County | $832,750 | $541,287 | $693,050 | $138,000 |
| Beaver County | $832,750 | $541,287 | $693,050 | $117,900 |
| Beckham County | $832,750 | $541,287 | $693,050 | $153,400 |
| Blaine County | $832,750 | $541,287 | $693,050 | $126,200 |
| Bryan County | $832,750 | $541,287 | $693,050 | $163,700 |
| Caddo County | $832,750 | $541,287 | $693,050 | $109,900 |
| Canadian County | $832,750 | $541,287 | $693,050 | $230,300 |
| Carter County | $832,750 | $541,287 | $693,050 | $153,500 |
| Cherokee County | $832,750 | $541,287 | $693,050 | $160,300 |
| Choctaw County | $832,750 | $541,287 | $693,050 | $119,700 |
| Cimarron County | $832,750 | $541,287 | $693,050 | $94,500 |
| Cleveland County | $832,750 | $541,287 | $693,050 | $222,800 |
| Coal County | $832,750 | $541,287 | $693,050 | $92,500 |
| Comanche County | $832,750 | $541,287 | $693,050 | $154,300 |
| Cotton County | $832,750 | $541,287 | $693,050 | $113,200 |
| Craig County | $832,750 | $541,287 | $693,050 | $132,900 |
| Creek County | $832,750 | $541,287 | $693,050 | $170,900 |
| Custer County | $832,750 | $541,287 | $693,050 | $177,000 |
| Delaware County | $832,750 | $541,287 | $693,050 | $164,900 |
| Dewey County | $832,750 | $541,287 | $693,050 | $118,200 |
| Ellis County | $832,750 | $541,287 | $693,050 | $122,500 |
| Garfield County | $832,750 | $541,287 | $693,050 | $149,800 |
| Garvin County | $832,750 | $541,287 | $693,050 | $132,600 |
| Grady County | $832,750 | $541,287 | $693,050 | $187,900 |
| Grant County | $832,750 | $541,287 | $693,050 | $79,500 |
| Greer County | $832,750 | $541,287 | $693,050 | $103,600 |
| Harmon County | $832,750 | $541,287 | $693,050 | $75,700 |
| Harper County | $832,750 | $541,287 | $693,050 | $99,300 |
| Haskell County | $832,750 | $541,287 | $693,050 | $122,300 |
| Hughes County | $832,750 | $541,287 | $693,050 | $94,900 |
| Jackson County | $832,750 | $541,287 | $693,050 | $145,000 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $77,500 |
| Johnston County | $832,750 | $541,287 | $693,050 | $110,700 |
| Kay County | $832,750 | $541,287 | $693,050 | $116,800 |
| Kingfisher County | $832,750 | $541,287 | $693,050 | $206,400 |
| Kiowa County | $832,750 | $541,287 | $693,050 | $90,300 |
| Latimer County | $832,750 | $541,287 | $693,050 | $103,300 |
| Le Flore County | $832,750 | $541,287 | $693,050 | $121,600 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $152,000 |
| Logan County | $832,750 | $541,287 | $693,050 | $234,300 |
| Love County | $832,750 | $541,287 | $693,050 | $167,500 |
| Major County | $832,750 | $541,287 | $693,050 | $134,700 |
| Marshall County | $832,750 | $541,287 | $693,050 | $139,700 |
| Mayes County | $832,750 | $541,287 | $693,050 | $171,900 |
| McClain County | $832,750 | $541,287 | $693,050 | $233,900 |
| McCurtain County | $832,750 | $541,287 | $693,050 | $126,100 |
| McIntosh County | $832,750 | $541,287 | $693,050 | $135,800 |
| Murray County | $832,750 | $541,287 | $693,050 | $154,900 |
| Muskogee County | $832,750 | $541,287 | $693,050 | $138,800 |
| Noble County | $832,750 | $541,287 | $693,050 | $142,600 |
| Nowata County | $832,750 | $541,287 | $693,050 | $121,900 |
| Okfuskee County | $832,750 | $541,287 | $693,050 | $110,800 |
| Oklahoma County | $832,750 | $541,287 | $693,050 | $207,800 |
| Okmulgee County | $832,750 | $541,287 | $693,050 | $114,600 |
| Osage County | $832,750 | $541,287 | $693,050 | $172,300 |
| Ottawa County | $832,750 | $541,287 | $693,050 | $114,300 |
| Pawnee County | $832,750 | $541,287 | $693,050 | $125,700 |
| Payne County | $832,750 | $541,287 | $693,050 | $217,700 |
| Pittsburg County | $832,750 | $541,287 | $693,050 | $146,300 |
| Pontotoc County | $832,750 | $541,287 | $693,050 | $170,500 |
| Pottawatomie County | $832,750 | $541,287 | $693,050 | $155,700 |
| Pushmataha County | $832,750 | $541,287 | $693,050 | $116,800 |
| Roger Mills County | $832,750 | $541,287 | $693,050 | $152,600 |
| Rogers County | $832,750 | $541,287 | $693,050 | $222,200 |
| Seminole County | $832,750 | $541,287 | $693,050 | $91,200 |
| Sequoyah County | $832,750 | $541,287 | $693,050 | $127,500 |
| Stephens County | $832,750 | $541,287 | $693,050 | $135,100 |
| Texas County | $832,750 | $541,287 | $693,050 | $155,600 |
| Tillman County | $832,750 | $541,287 | $693,050 | $71,900 |
| Tulsa County | $832,750 | $541,287 | $693,050 | $213,500 |
| Wagoner County | $832,750 | $541,287 | $693,050 | $216,000 |
| Washington County | $832,750 | $541,287 | $693,050 | $160,900 |
| Washita County | $832,750 | $541,287 | $693,050 | $113,300 |
| Woods County | $832,750 | $541,287 | $693,050 | $141,900 |
| Woodward County | $832,750 | $541,287 | $693,050 | $178,000 |
Which Oklahoma counties are high-cost areas?
No Oklahoma county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Oklahoma
Frequently asked questions
FHA one-unit limits in Oklahoma start at $541,287. In Oklahoma County, the most populous county, it's $541,287.
The 2026 one-unit conforming limit in Oklahoma County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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