Cherokee County, Oklahoma has a 2026 one-unit conforming loan limit of $832,750, which is 4.9 times the county's median home value of $168,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $53,218 (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) | $168,500 |
| Oklahoma median home value | $199,800 |
| Limit ÷ median home value | 4.94× |
| Median household income | $53,218 |
| Median home value ÷ income | 3.2× |
| Population | 47,942 |
| Median property tax paid (owners) | $911 |
| Effective property tax rate (approx.) | 0.54% |
| Owner-occupied homes | 65.7% |
| Home value rank in Oklahoma | 23 of 77 counties |
| Neighbor: Adair County, OK | limit $832,750; median home $117,800 |
| Neighbor: Delaware County, OK | limit $832,750; median home $175,300 |
| Neighbor: Mayes County, OK | limit $832,750; median home $188,200 |
| Neighbor: Muskogee County, OK | limit $832,750; median home $153,200 |
| Neighbor: Sequoyah County, OK | limit $832,750; median home $139,400 |
| Neighbor: Wagoner County, OK | limit $832,750; median home $234,800 |
Across Oklahoma's 77 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cherokee County's median home value is 16% below the state median of $199,800 (rank 23 of 77). Among its 6 neighboring counties, Wagoner County has the highest median home value ($234,800) and Adair County the lowest ($117,800); all share the same loan limit. Owners pay a median $911 a year in property tax, an effective rate of about 0.54% 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: Cherokee County, IA
- 2026 conforming loan limit: Cherokee County, KS
- 2026 conforming loan limit: Cherokee County, NC
- 2026 conforming loan limit: Cherokee County, SC
- 2026 conforming loan limit: Cherokee County, TX
- 2026 conforming loan limit: Cherry County, NE
- 2026 conforming loan limit: Chesapeake City, VA
- 2026 conforming loan limit: Cheshire County, NH
Last updated 2026-10-16. Data only, not financial or tax advice.