2026 FHA Loan Limits in Oklahoma
FHA loans are mortgages insured by the Federal Housing Administration. Like many other government-backed loans, they have more forgiving requirements than some home loan programs, so they’re good for people with less-than-perfect credit and those borrowers who don’t have a large down payment saved up.
However, FHA loans come with limits, meaning there’s a maximum amount you can borrow based on your location. For 2026, the FHA loan limit for single-family homes in Oklahoma is $541,287. Read on for more details on FHA loan limits in Oklahoma, how these loans work, and how to qualify.
Oklahoma FHA loan limits by county
Oklahoma single-family FHA loan limits
| County Name | One Unit | Two Units | Three Units | Four Units | Median Sales Price |
|---|---|---|---|---|---|
| ADAIR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $65,000 |
| ALFALFA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $60,000 |
| ATOKA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $93,000 |
| BEAVER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $80,000 |
| BECKHAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $132,000 |
| BLAINE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $93,000 |
| BRYAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $172,000 |
| CADDO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $81,000 |
| CANADIAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $253,000 |
| CARTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| CHEROKEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $149,000 |
| CHOCTAW COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $67,000 |
| CIMARRON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $30,000 |
| CLEVELAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $253,000 |
| COAL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $50,000 |
| COMANCHE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $142,000 |
| COTTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $142,000 |
| CRAIG COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $120,000 |
| CREEK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| CUSTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| DELAWARE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| DEWEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $56,000 |
| ELLIS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $80,000 |
| GARFIELD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| GARVIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $100,000 |
| GRADY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $253,000 |
| GRANT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $65,000 |
| GREER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $55,000 |
| HARMON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $34,000 |
| HARPER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $48,000 |
| HASKELL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $88,000 |
| HUGHES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $57,000 |
| JACKSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $138,000 |
| JEFFERSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $64,000 |
| JOHNSTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $72,000 |
| KAY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $110,000 |
| KINGFISHER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $178,000 |
| KIOWA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $74,000 |
| LATIMER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $75,000 |
| LE FLORE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $99,000 |
| LINCOLN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $253,000 |
| LOGAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $253,000 |
| LOVE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $94,000 |
| MAJOR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $120,000 |
| MARSHALL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $112,000 |
| MAYES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $160,000 |
| MCCLAIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $253,000 |
| MCCURTAIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $265,000 |
| MCINTOSH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $84,000 |
| MURRAY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $78,000 |
| MUSKOGEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $139,000 |
| NOBLE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $114,000 |
| NOWATA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $85,000 |
| OKFUSKEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $85,000 |
| OKLAHOMA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $253,000 |
| OKMULGEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| OSAGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| OTTAWA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $85,000 |
| PAWNEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| PAYNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $210,000 |
| PITTSBURG COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $120,000 |
| PONTOTOC COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| POTTAWATOMIE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $149,000 |
| PUSHMATAHA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $60,000 |
| ROGER MILLS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| ROGERS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| SEMINOLE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $92,000 |
| SEQUOYAH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $179,000 |
| STEPHENS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $97,000 |
| TEXAS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $161,000 |
| TILLMAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $32,000 |
| TULSA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| WAGONER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| WASHINGTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| WASHITA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| WOODS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $65,000 |
| WOODWARD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $120,000 |
How are FHA loan limits determined?
FHA loan limits are updated each year to reflect changes in home prices across the country. The Federal Housing Administration bases these limits on a percentage of the national conforming loan limit set by the Federal Housing Finance Agency (FHFA). The goal is to ensure FHA-insured loans are accessible in lower-cost and higher-cost housing markets.
FHA loans have a floor and a ceiling. The FHA loan floor is the maximum loan amount in low-cost areas, and it’s set at 65% of the national conforming loan limit — $541,287 for 2026. The FHA loan ceiling applies to high-cost areas, and it’s capped at 150% of the conforming loan limit — $1,249,125 for 2026.
The FHA sets loan limits on a county-by-county basis and sets different limits for multi-unit properties. Two-, three- and four-unit properties have higher loan limits than single-unit properties. The low-cost area floor applies to all counties in Oklahoma.
How to qualify for an FHA loan in Oklahoma
FHA loans can be easier to qualify for than some other home loans, but there are still eligibility rules to consider, including the following:
- Credit score. FHA loans require at least a 500 credit score, although you can qualify for a lower down payment with a higher credit score. You can qualify for a 3.5% down payment with a credit score of 580 or above, versus a 10% down payment for scores between 500 and 579.
- Debt-to-income ratio. You need a debt-to-income ratio (DTI) of 43% or less, meaning your monthly debt payments are no more than 43% of your gross monthly income. You may qualify for an FHA loan with a higher DTI ratio as long as you have higher cash reserves.
- Income and employment. You must have a steady income and be employed to get an FHA loan. The lender will request proof of employment, so be prepared to provide documentation like W-2s for the past two years and pay stubs for the past 30 days.
- Mortgage insurance premiums. FHA loans require two forms of mortgage insurance. You’ll pay an upfront fee of 1.75% of the loan amount. Your monthly payments will also include an annual premium of 0.15% to 0.75% of the loan amount.
- Primary residence. You must use a home purchased with an FHA loan as your primary residence for at least one year.
- FHA home appraisal. You must have the home appraised following the FHA home appraisal guidelines to ensure it meets certain safety standards.
Buying a multifamily property with an FHA loan
The FHA loans program allows borrowers to purchase multifamily properties with two to four units with a low down payment. This option can make it easier to enter the housing market by offsetting your mortgage costs with rental income from the additional units.
To qualify, you generally have to meet the following requirements:
- Meet the minimum credit score requirements. The minimum down payment is 3.5% with a credit score of 580 or above, or 10% with a credit score between 500 and 579.
- Live in one of the units. You must use one of the units as your primary residence for at least one year, and you can rent out the remaining units. This strategy is known as house hacking.
- Maintain an acceptable DTI ratio. Your DTI ratio should be at or lower than 43%. If your ratio is higher, you may still qualify as long as you have strong credit and cash reserves.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Oklahoma
| Lender | LendingTree rating | Minimum FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 |
Compare FHA Loans for Free