Oklahoma Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 77 counties in Oklahoma. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
2026 Loan Limits by County in Oklahoma
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Adair County | $541,287 | $832,750 | $117,800 |
| 2 | Alfalfa County | $541,287 | $832,750 | $101,500 |
| 3 | Atoka County | $541,287 | $832,750 | $157,600 |
| 4 | Beaver County | $541,287 | $832,750 | $130,100 |
| 5 | Beckham County | $541,287 | $832,750 | $143,500 |
| 6 | Blaine County | $541,287 | $832,750 | $126,900 |
| 7 | Bryan County | $541,287 | $832,750 | $174,900 |
| 8 | Caddo County | $541,287 | $832,750 | $115,700 |
| 9 | Canadian County | $541,287 | $832,750 | $246,200 |
| 10 | Carter County | $541,287 | $832,750 | $168,500 |
| 11 | Cherokee County | $541,287 | $832,750 | $168,500 |
| 12 | Choctaw County | $541,287 | $832,750 | $126,500 |
| 13 | Cimarron County | $541,287 | $832,750 | $98,600 |
| 14 | Cleveland County | $541,287 | $832,750 | $235,700 |
| 15 | Coal County | $541,287 | $832,750 | $115,700 |
| 16 | Comanche County | $541,287 | $832,750 | $163,800 |
| 17 | Cotton County | $541,287 | $832,750 | $113,900 |
| 18 | Craig County | $541,287 | $832,750 | $150,500 |
| 19 | Creek County | $541,287 | $832,750 | $182,100 |
| 20 | Custer County | $541,287 | $832,750 | $181,500 |
| 21 | Delaware County | $541,287 | $832,750 | $175,300 |
| 22 | Dewey County | $541,287 | $832,750 | $133,600 |
| 23 | Ellis County | $541,287 | $832,750 | $119,100 |
| 24 | Garfield County | $541,287 | $832,750 | $160,100 |
| 25 | Garvin County | $541,287 | $832,750 | $147,800 |
| 26 | Grady County | $541,287 | $832,750 | $205,800 |
| 27 | Grant County | $541,287 | $832,750 | $105,700 |
| 28 | Greer County | $541,287 | $832,750 | $109,100 |
| 29 | Harmon County | $541,287 | $832,750 | $79,700 |
| 30 | Harper County | $541,287 | $832,750 | $99,200 |
| 31 | Haskell County | $541,287 | $832,750 | $138,800 |
| 32 | Hughes County | $541,287 | $832,750 | $102,000 |
| 33 | Jackson County | $541,287 | $832,750 | $158,400 |
| 34 | Jefferson County | $541,287 | $832,750 | $82,500 |
| 35 | Johnston County | $541,287 | $832,750 | $116,500 |
| 36 | Kay County | $541,287 | $832,750 | $124,700 |
| 37 | Kingfisher County | $541,287 | $832,750 | $215,800 |
| 38 | Kiowa County | $541,287 | $832,750 | $96,100 |
| 39 | Latimer County | $541,287 | $832,750 | $107,900 |
| 40 | Le Flore County | $541,287 | $832,750 | $135,700 |
| 41 | Lincoln County | $541,287 | $832,750 | $166,500 |
| 42 | Logan County | $541,287 | $832,750 | $246,700 |
| 43 | Love County | $541,287 | $832,750 | $171,000 |
| 44 | Major County | $541,287 | $832,750 | $149,600 |
| 45 | Marshall County | $541,287 | $832,750 | $164,500 |
| 46 | Mayes County | $541,287 | $832,750 | $188,200 |
| 47 | McClain County | $541,287 | $832,750 | $255,900 |
| 48 | McCurtain County | $541,287 | $832,750 | $144,500 |
| 49 | McIntosh County | $541,287 | $832,750 | $146,200 |
| 50 | Murray County | $541,287 | $832,750 | $159,800 |
| 51 | Muskogee County | $541,287 | $832,750 | $153,200 |
| 52 | Noble County | $541,287 | $832,750 | $146,400 |
| 53 | Nowata County | $541,287 | $832,750 | $137,800 |
| 54 | Okfuskee County | $541,287 | $832,750 | $115,900 |
| 55 | Oklahoma County | $541,287 | $832,750 | $222,900 |
| 56 | Okmulgee County | $541,287 | $832,750 | $121,200 |
| 57 | Osage County | $541,287 | $832,750 | $182,100 |
| 58 | Ottawa County | $541,287 | $832,750 | $123,300 |
| 59 | Pawnee County | $541,287 | $832,750 | $131,500 |
| 60 | Payne County | $541,287 | $832,750 | $223,300 |
| 61 | Pittsburg County | $541,287 | $832,750 | $156,900 |
| 62 | Pontotoc County | $541,287 | $832,750 | $175,400 |
| 63 | Pottawatomie County | $541,287 | $832,750 | $165,400 |
| 64 | Pushmataha County | $541,287 | $832,750 | $132,300 |
| 65 | Roger Mills County | $541,287 | $832,750 | $157,800 |
| 66 | Rogers County | $541,287 | $832,750 | $240,500 |
| 67 | Seminole County | $541,287 | $832,750 | $99,500 |
| 68 | Sequoyah County | $541,287 | $832,750 | $139,400 |
| 69 | Stephens County | $541,287 | $832,750 | $145,300 |
| 70 | Texas County | $541,287 | $832,750 | $163,500 |
| 71 | Tillman County | $541,287 | $832,750 | $79,800 |
| 72 | Tulsa County | $541,287 | $832,750 | $230,400 |
| 73 | Wagoner County | $541,287 | $832,750 | $234,800 |
| 74 | Washington County | $541,287 | $832,750 | $173,200 |
| 75 | Washita County | $541,287 | $832,750 | $118,400 |
| 76 | Woods County | $541,287 | $832,750 | $139,600 |
| 77 | Woodward County | $541,287 | $832,750 | $169,000 |
About Oklahoma's Mortgage Market
Oklahoma has 77 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Oklahoma range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using Oklahoma-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Oklahoma?
The highest 2026 FHA limit in Oklahoma is $541,287 for a single-family home.
What is the maximum conforming loan limit in Oklahoma?
The highest 2026 conforming loan limit in Oklahoma is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Oklahoma?
Oklahoma has 77 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.