FHA Loan Limits and USDA Eligibility in Oklahoma
2026 FHA one-unit limit in Oklahoma is $541,287. About 84% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $122,800. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Oklahoma
Oklahoma one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for Oklahoma
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EligibleIneligibleUSDA ineligible boundary
Oklahoma FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Adair County | $541,287 | $122,800 |
| Alfalfa County | $541,287 | $122,800 |
| Atoka County | $541,287 | $122,800 |
| Beaver County | $541,287 | $122,800 |
| Beckham County | $541,287 | $122,800 |
| Blaine County | $541,287 | $122,800 |
| Bryan County | $541,287 | $122,800 |
| Caddo County | $541,287 | $122,800 |
| Canadian County | $541,287 | $122,800 |
| Carter County | $541,287 | $122,800 |
| Cherokee County | $541,287 | $122,800 |
| Choctaw County | $541,287 | $122,800 |
| Cimarron County | $541,287 | $122,800 |
| Cleveland County | $541,287 | $122,800 |
| Coal County | $541,287 | $122,800 |
| Comanche County | $541,287 | $122,800 |
| Cotton County | $541,287 | $122,800 |
| Craig County | $541,287 | $122,800 |
| Creek County | $541,287 | $122,800 |
| Custer County | $541,287 | $122,800 |
| Delaware County | $541,287 | $122,800 |
| Dewey County | $541,287 | $122,800 |
| Ellis County | $541,287 | $122,800 |
| Garfield County | $541,287 | $122,800 |
| Garvin County | $541,287 | $122,800 |
| Grady County | $541,287 | $122,800 |
| Grant County | $541,287 | $122,800 |
| Greer County | $541,287 | $122,800 |
| Harmon County | $541,287 | $122,800 |
| Harper County | $541,287 | $122,800 |
| Haskell County | $541,287 | $122,800 |
| Hughes County | $541,287 | $122,800 |
| Jackson County | $541,287 | $122,800 |
| Jefferson County | $541,287 | $122,800 |
| Johnston County | $541,287 | $122,800 |
| Kay County | $541,287 | $122,800 |
| Kingfisher County | $541,287 | $122,800 |
| Kiowa County | $541,287 | $122,800 |
| Latimer County | $541,287 | $122,800 |
| Le Flore County | $541,287 | $122,800 |
| Lincoln County | $541,287 | $122,800 |
| Logan County | $541,287 | $122,800 |
| Love County | $541,287 | $122,800 |
| Major County | $541,287 | $122,800 |
| Marshall County | $541,287 | $122,800 |
| Mayes County | $541,287 | $122,800 |
| McClain County | $541,287 | $122,800 |
| McCurtain County | $541,287 | $122,800 |
| McIntosh County | $541,287 | $122,800 |
| Murray County | $541,287 | $122,800 |
| Muskogee County | $541,287 | $122,800 |
| Noble County | $541,287 | $122,800 |
| Nowata County | $541,287 | $122,800 |
| Okfuskee County | $541,287 | $122,800 |
| Oklahoma County | $541,287 | $122,800 |
| Okmulgee County | $541,287 | $122,800 |
| Osage County | $541,287 | $122,800 |
| Ottawa County | $541,287 | $122,800 |
| Pawnee County | $541,287 | $122,800 |
| Payne County | $541,287 | $122,800 |
| Pittsburg County | $541,287 | $122,800 |
| Pontotoc County | $541,287 | $122,800 |
| Pottawatomie County | $541,287 | $122,800 |
| Pushmataha County | $541,287 | $122,800 |
| Roger Mills County | $541,287 | $122,800 |
| Rogers County | $541,287 | $122,800 |
| Seminole County | $541,287 | $122,800 |
| Sequoyah County | $541,287 | $122,800 |
| Stephens County | $541,287 | $122,800 |
| Texas County | $541,287 | $122,800 |
| Tillman County | $541,287 | $122,800 |
| Tulsa County | $541,287 | $122,800 |
| Wagoner County | $541,287 | $122,800 |
| Washington County | $541,287 | $122,800 |
| Washita County | $541,287 | $122,800 |
| Woods County | $541,287 | $122,800 |
| Woodward County | $541,287 | $122,800 |
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