Cotton County, Oklahoma has a 2026 one-unit conforming loan limit of $832,750, which is 7.3 times the county's median home value of $113,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $58,425 (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) | $113,900 |
| Oklahoma median home value | $199,800 |
| Limit ÷ median home value | 7.31× |
| Median household income | $58,425 |
| Median home value ÷ income | 1.9× |
| Population | 5,485 |
| Median property tax paid (owners) | $840 |
| Effective property tax rate (approx.) | 0.74% |
| Owner-occupied homes | 80.3% |
| Home value rank in Oklahoma | 65 of 77 counties |
| Neighbor: Comanche County, OK | limit $832,750; median home $163,800 |
| Neighbor: Jefferson County, OK | limit $832,750; median home $82,500 |
| Neighbor: Stephens County, OK | limit $832,750; median home $145,300 |
| Neighbor: Tillman County, OK | limit $832,750; median home $79,800 |
| Neighbor: Clay County, TX | limit $832,750; median home $171,500 |
| Neighbor: Wichita County, TX | limit $832,750; median home $153,700 |
Across Oklahoma's 77 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cotton County's median home value is 43% below the state median of $199,800 (rank 65 of 77). Among its 6 neighboring counties, Clay County has the highest median home value ($171,500) and Tillman County the lowest ($79,800); all share the same loan limit. Owners pay a median $840 a year in property tax, an effective rate of about 0.74% 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.
Frequently asked questions
What is the conforming loan limit in Cotton County, Oklahoma?
Cotton County, Oklahoma has a 2026 one-unit conforming loan limit of $832,750, which is 7.3 times the county's median home value of $113,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $58,425 (FHFA; Census ACS 2020–2024).
What is the median home value in Cotton County, Oklahoma?
The median owner-occupied home value in Cotton County is $113,900 (ACS 2020–2024), versus $199,800 statewide.
Do I need a jumbo loan in Cotton County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $113,900, so the cap is 7.31 times the typical home value.
Related
- 2026 conforming loan limit: Cleveland County, OK
- 2026 conforming loan limit: Coal County, OK
- 2026 conforming loan limit: Comanche County, OK
- 2026 conforming loan limit: Craig County, OK
- 2026 conforming loan limit: Creek County, OK
- 2026 conforming loan limit: Custer County, OK
- 2026 conforming loan limit: Delaware County, OK
- 2026 conforming loan limit: Dewey County, OK
Last updated Oct 18, 2026, 10:02 PM ET. Data only, not financial or tax advice.
Related answers
- Mortgage rates in Oklahoma today: 7.40% 30-yr fixed (US avg), 2026 loan limits
- Oklahoma state income tax rates and brackets 2026
- Cost of living in Oklahoma vs US average (2024)
- 2026 conforming loan limits in Oklahoma by county
- $60,000 salary after taxes in Oklahoma (2026 take-home pay)
- $85,000 salary after taxes in Oklahoma (2026 take-home pay)
- $100,000 salary after taxes in Oklahoma (2026 take-home pay)
- 2026 conforming loan limit: Cleveland County, OK
- 2026 conforming loan limit: Coal County, OK
- 2026 conforming loan limit: Comanche County, OK
- 2026 conforming loan limit: Craig County, OK
- 2026 conforming loan limit: Creek County, OK
- 2026 conforming loan limit: Custer County, OK
- Mortgage rates today (Freddie Mac weekly average)