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2026 Oklahoma loan limits by county
Oklahoma has 77 counties in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in Woodward County; the state median is $832,750. 0 of 77 are above the $832,750 national baseline. 77 sit at the 2026 FHA floor of $541,287.
- 77Counties listed
- $832,750Highest 1-unit conformingWoodward County
- $832,750Median 1-unit conforming
- 77At FHA floorof 77
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Adair County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Alfalfa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Atoka County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Beaver County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Beckham County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Blaine County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bryan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Caddo County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Canadian County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Carter County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cherokee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Choctaw County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cimarron County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cleveland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Coal County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Comanche County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cotton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Craig County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Creek County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Custer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Delaware County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dewey County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ellis County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Garfield County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Garvin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grady County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grant County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Greer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Harmon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Harper County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Haskell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hughes County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jackson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jefferson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Johnston County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kay County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kingfisher County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kiowa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Latimer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Le Flore County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lincoln County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Logan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Love County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Major County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marshall County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mayes County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McClain County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McCurtain County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McIntosh County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Murray County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Muskogee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Noble County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Nowata County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Okfuskee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Oklahoma County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Okmulgee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Osage County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ottawa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pawnee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Payne County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pittsburg County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pontotoc County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pottawatomie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pushmataha County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Roger Mills County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rogers County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Seminole County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sequoyah County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Stephens County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Texas County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tillman County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tulsa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wagoner County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Washita County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Woods County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Woodward County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.