Oklahoma loan limits 2026 by county
In 2026, every one of the 77 counties in Oklahoma has the $832,750 baseline conforming loan limit for a one-unit home. Every Oklahoma county has the $541,287 FHA floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Oklahoma county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Adair County | $832,750 | $541,287 | Non-Metro |
| Alfalfa County | $832,750 | $541,287 | Non-Metro |
| Atoka County | $832,750 | $541,287 | Non-Metro |
| Beaver County | $832,750 | $541,287 | Non-Metro |
| Beckham County | $832,750 | $541,287 | Elk City, OK |
| Blaine County | $832,750 | $541,287 | Non-Metro |
| Bryan County | $832,750 | $541,287 | Durant, OK |
| Caddo County | $832,750 | $541,287 | Non-Metro |
| Canadian County | $832,750 | $541,287 | Oklahoma City, OK |
| Carter County | $832,750 | $541,287 | Ardmore, OK |
| Cherokee County | $832,750 | $541,287 | Tahlequah, OK |
| Choctaw County | $832,750 | $541,287 | Non-Metro |
| Cimarron County | $832,750 | $541,287 | Non-Metro |
| Cleveland County | $832,750 | $541,287 | Oklahoma City, OK |
| Coal County | $832,750 | $541,287 | Non-Metro |
| Comanche County | $832,750 | $541,287 | Lawton, OK |
| Cotton County | $832,750 | $541,287 | Lawton, OK |
| Craig County | $832,750 | $541,287 | Non-Metro |
| Creek County | $832,750 | $541,287 | Tulsa, OK |
| Custer County | $832,750 | $541,287 | Weatherford, OK |
| Delaware County | $832,750 | $541,287 | Non-Metro |
| Dewey County | $832,750 | $541,287 | Non-Metro |
| Ellis County | $832,750 | $541,287 | Non-Metro |
| Garfield County | $832,750 | $541,287 | Enid, OK |
| Garvin County | $832,750 | $541,287 | Non-Metro |
| Grady County | $832,750 | $541,287 | Oklahoma City, OK |
| Grant County | $832,750 | $541,287 | Non-Metro |
| Greer County | $832,750 | $541,287 | Non-Metro |
| Harmon County | $832,750 | $541,287 | Non-Metro |
| Harper County | $832,750 | $541,287 | Non-Metro |
| Haskell County | $832,750 | $541,287 | Non-Metro |
| Hughes County | $832,750 | $541,287 | Non-Metro |
| Jackson County | $832,750 | $541,287 | Altus, OK |
| Jefferson County | $832,750 | $541,287 | Non-Metro |
| Johnston County | $832,750 | $541,287 | Non-Metro |
| Kay County | $832,750 | $541,287 | Ponca City, OK |
| Kingfisher County | $832,750 | $541,287 | Non-Metro |
| Kiowa County | $832,750 | $541,287 | Non-Metro |
| Latimer County | $832,750 | $541,287 | Non-Metro |
| Le Flore County | $832,750 | $541,287 | Non-Metro |
| Lincoln County | $832,750 | $541,287 | Oklahoma City, OK |
| Logan County | $832,750 | $541,287 | Oklahoma City, OK |
| Love County | $832,750 | $541,287 | Non-Metro |
| Major County | $832,750 | $541,287 | Non-Metro |
| Marshall County | $832,750 | $541,287 | Non-Metro |
| Mayes County | $832,750 | $541,287 | Non-Metro |
| McClain County | $832,750 | $541,287 | Oklahoma City, OK |
| McCurtain County | $832,750 | $541,287 | Non-Metro |
| McIntosh County | $832,750 | $541,287 | Non-Metro |
| Murray County | $832,750 | $541,287 | Non-Metro |
| Muskogee County | $832,750 | $541,287 | Muskogee, OK |
| Noble County | $832,750 | $541,287 | Non-Metro |
| Nowata County | $832,750 | $541,287 | Non-Metro |
| Okfuskee County | $832,750 | $541,287 | Non-Metro |
| Oklahoma County | $832,750 | $541,287 | Oklahoma City, OK |
| Okmulgee County | $832,750 | $541,287 | Tulsa, OK |
| Osage County | $832,750 | $541,287 | Tulsa, OK |
| Ottawa County | $832,750 | $541,287 | Miami, OK |
| Pawnee County | $832,750 | $541,287 | Tulsa, OK |
| Payne County | $832,750 | $541,287 | Stillwater, OK |
| Pittsburg County | $832,750 | $541,287 | Mcalester, OK |
| Pontotoc County | $832,750 | $541,287 | Ada, OK |
| Pottawatomie County | $832,750 | $541,287 | Shawnee, OK |
| Pushmataha County | $832,750 | $541,287 | Non-Metro |
| Roger Mills County | $832,750 | $541,287 | Non-Metro |
| Rogers County | $832,750 | $541,287 | Tulsa, OK |
| Seminole County | $832,750 | $541,287 | Non-Metro |
| Sequoyah County | $832,750 | $541,287 | Fort Smith, AR-OK |
| Stephens County | $832,750 | $541,287 | Duncan, OK |
| Texas County | $832,750 | $541,287 | Guymon, OK |
| Tillman County | $832,750 | $541,287 | Non-Metro |
| Tulsa County | $832,750 | $541,287 | Tulsa, OK |
| Wagoner County | $832,750 | $541,287 | Tulsa, OK |
| Washington County | $832,750 | $541,287 | Bartlesville, OK |
| Washita County | $832,750 | $541,287 | Weatherford, OK |
| Woods County | $832,750 | $541,287 | Non-Metro |
| Woodward County | $832,750 | $541,287 | Woodward, OK |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
FHA, VA and conforming limits in Oklahoma
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Oklahoma fair market rentsHUD Fair Market Rents for every Oklahoma county, studios to 4 bedrooms.
- Oklahoma property tax ratesEffective property tax rate for every Oklahoma county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Oklahoma loan limits
What are the FHA loan limits in Oklahoma for 2026?
$541,287 to $541,287 for a one-unit home, depending on the county. Every county is at the national floor of $541,287. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Oklahoma for 2026?
$832,750 for a one-unit home in every Oklahoma county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Oklahoma?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Oklahoma for 2026: 25 percent of that limit minus the entitlement already used.
Which Oklahoma counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Adair County at $541,287. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/oklahoma. Not lending advice.