Adair County, Oklahoma has a 2026 one-unit conforming loan limit of $832,750, which is 7.1 times the county's median home value of $117,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $48,041 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $117,800 |
| Oklahoma median home value | $199,800 |
| Limit ÷ median home value | 7.07× |
| Median household income | $48,041 |
| Median home value ÷ income | 2.5× |
| Population | 19,575 |
| Median property tax paid (owners) | $569 |
| Effective property tax rate (approx.) | 0.48% |
| Owner-occupied homes | 68.5% |
| Home value rank in Oklahoma | 60 of 77 counties |
| Neighbor: Benton County, AR | limit $832,750; median home $323,500 |
| Neighbor: Crawford County, AR | limit $832,750; median home $182,800 |
| Neighbor: Washington County, AR | limit $832,750; median home $298,400 |
| Neighbor: Cherokee County, OK | limit $832,750; median home $168,500 |
| Neighbor: Delaware County, OK | limit $832,750; median home $175,300 |
| Neighbor: Sequoyah County, OK | limit $832,750; median home $139,400 |
Across Oklahoma's 77 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Adair County's median home value is 41% below the state median of $199,800 (rank 60 of 77). Among its 6 neighboring counties, Benton County has the highest median home value ($323,500) and Sequoyah County the lowest ($139,400); all share the same loan limit. Owners pay a median $569 a year in property tax, an effective rate of about 0.48% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Adair County, IA
- 2026 conforming loan limit: Adair County, KY
- 2026 conforming loan limit: Adair County, MO
- 2026 conforming loan limit: Adams County, CO
- 2026 conforming loan limit: Adams County, IA
- 2026 conforming loan limit: Adams County, ID
- 2026 conforming loan limit: Adams County, IL
- 2026 conforming loan limit: Adams County, IN
Last updated 2026-10-16. Data only, not financial or tax advice.