2026 conforming loan limits · Oklahoma
All 77 counties in Oklahoma use the same one-unit conforming limit of $832,750.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Oklahoma at a glance
| Metric | Value |
|---|---|
| Counties | 77 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $832,750 |
| Distinct one-unit limits | 1 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 0 of 77 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county in Oklahoma carries the same one-unit limit, so there is no high-cost ranking to show.
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Adair County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Alfalfa County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Atoka County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Beaver County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Beckham County | ELK CITY, OK | $832,750 | $541,287 | $291,463 |
| Blaine County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Bryan County | DURANT, OK | $832,750 | $541,287 | $291,463 |
| Caddo County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Canadian County | OKLAHOMA CITY, OK | $832,750 | $541,287 | $291,463 |
| Carter County | ARDMORE, OK | $832,750 | $541,287 | $291,463 |
| Cherokee County | TAHLEQUAH, OK | $832,750 | $541,287 | $291,463 |
| Choctaw County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cimarron County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cleveland County | OKLAHOMA CITY, OK | $832,750 | $541,287 | $291,463 |
| Coal County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Comanche County | LAWTON, OK | $832,750 | $541,287 | $291,463 |
| Cotton County | LAWTON, OK | $832,750 | $541,287 | $291,463 |
| Craig County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Creek County | TULSA, OK | $832,750 | $541,287 | $291,463 |
| Custer County | WEATHERFORD, OK | $832,750 | $541,287 | $291,463 |
| Delaware County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Dewey County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Ellis County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Garfield County | ENID, OK | $832,750 | $541,287 | $291,463 |
| Garvin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Grady County | OKLAHOMA CITY, OK | $832,750 | $541,287 | $291,463 |
| Grant County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Greer County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Harmon County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Harper County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Haskell County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hughes County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jackson County | ALTUS, OK | $832,750 | $541,287 | $291,463 |
| Jefferson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Johnston County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Kay County | PONCA CITY, OK | $832,750 | $541,287 | $291,463 |
| Kingfisher County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Kiowa County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Latimer County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Le Flore County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lincoln County | OKLAHOMA CITY, OK | $832,750 | $541,287 | $291,463 |
| Logan County | OKLAHOMA CITY, OK | $832,750 | $541,287 | $291,463 |
| Love County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Mcclain County | OKLAHOMA CITY, OK | $832,750 | $541,287 | $291,463 |
| Mccurtain County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Mcintosh County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Major County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Marshall County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Mayes County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Murray County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Muskogee County | MUSKOGEE, OK | $832,750 | $541,287 | $291,463 |
| Noble County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Nowata County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Okfuskee County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Oklahoma County | OKLAHOMA CITY, OK | $832,750 | $541,287 | $291,463 |
| Okmulgee County | TULSA, OK | $832,750 | $541,287 | $291,463 |
| Osage County | TULSA, OK | $832,750 | $541,287 | $291,463 |
| Ottawa County | MIAMI, OK | $832,750 | $541,287 | $291,463 |
| Pawnee County | TULSA, OK | $832,750 | $541,287 | $291,463 |
| Payne County | STILLWATER, OK | $832,750 | $541,287 | $291,463 |
| Pittsburg County | MCALESTER, OK | $832,750 | $541,287 | $291,463 |
| Pontotoc County | ADA, OK | $832,750 | $541,287 | $291,463 |
| Pottawatomie County | SHAWNEE, OK | $832,750 | $541,287 | $291,463 |
| Pushmataha County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Roger Mills County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Rogers County | TULSA, OK | $832,750 | $541,287 | $291,463 |
| Seminole County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Sequoyah County | FORT SMITH, AR-OK | $832,750 | $541,287 | $291,463 |
| Stephens County | DUNCAN, OK | $832,750 | $541,287 | $291,463 |
| Texas County | GUYMON, OK | $832,750 | $541,287 | $291,463 |
| Tillman County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Tulsa County | TULSA, OK | $832,750 | $541,287 | $291,463 |
| Wagoner County | TULSA, OK | $832,750 | $541,287 | $291,463 |
| Washington County | BARTLESVILLE, OK | $832,750 | $541,287 | $291,463 |
| Washita County | WEATHERFORD, OK | $832,750 | $541,287 | $291,463 |
| Woods County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Woodward County | WOODWARD, OK | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Adair County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Alfalfa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Atoka County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Beaver County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Beckham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Blaine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bryan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Caddo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Canadian County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cherokee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Choctaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cimarron County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cleveland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coal County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Comanche County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cotton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Craig County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Creek County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Custer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Delaware County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dewey County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ellis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Garfield County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Garvin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grady County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grant County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Harmon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Harper County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Haskell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hughes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Johnston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kingfisher County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kiowa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Latimer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Le Flore County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Logan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Love County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mcclain County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mccurtain County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mcintosh County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Major County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mayes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Murray County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Muskogee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Noble County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Nowata County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Okfuskee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oklahoma County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Okmulgee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Osage County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ottawa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pawnee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Payne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pittsburg County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pontotoc County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pottawatomie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pushmataha County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Roger Mills County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rogers County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Seminole County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sequoyah County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stephens County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Texas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tillman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tulsa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wagoner County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washita County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Woods County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Woodward County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)