FHA Loan Limits and USDA Eligibility in Osage County, Oklahoma
2026 FHA one-unit limit in Osage County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $122,800. Enter a ZIP on the maps. USDA scores the property address, not the county.
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
Osage County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 74001 | $541,287 | $122,800 |
| 74002 | $541,287 | $122,800 |
| 74003 | $541,287 | $122,800 |
| 74035 | $541,287 | $122,800 |
| 74054 | $541,287 | $122,800 |
| 74056 | $541,287 | $122,800 |
| 74060 | $541,287 | $122,800 |
| 74063 | $541,287 | $122,800 |
| 74070 | $541,287 | $122,800 |
| 74073 | $541,287 | $122,800 |
| 74084 | $541,287 | $122,800 |
| 74127 | $541,287 | $122,800 |
| 74604 | $541,287 | $122,800 |
| 74633 | $541,287 | $122,800 |
| 74637 | $541,287 | $122,800 |
| 74652 | $541,287 | $122,800 |