Harmon County, Oklahoma has a 2026 one-unit conforming loan limit of $832,750, which is 10.4 times the county's median home value of $79,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $43,333 (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) | $79,700 |
| Oklahoma median home value | $199,800 |
| Limit ÷ median home value | 10.45× |
| Median household income | $43,333 |
| Median home value ÷ income | 1.8× |
| Population | 2,406 |
| Median property tax paid (owners) | $537 |
| Effective property tax rate (approx.) | 0.67% |
| Owner-occupied homes | 69.7% |
| Home value rank in Oklahoma | 77 of 77 counties |
| Neighbor: Beckham County, OK | limit $832,750; median home $143,500 |
| Neighbor: Greer County, OK | limit $832,750; median home $109,100 |
| Neighbor: Jackson County, OK | limit $832,750; median home $158,400 |
| Neighbor: Childress County, TX | limit $832,750; median home $125,400 |
| Neighbor: Collingsworth County, TX | limit $832,750; median home $104,000 |
| Neighbor: Hardeman County, TX | limit $832,750; median home $81,900 |
Across Oklahoma's 77 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Harmon County's median home value is 60% below the state median of $199,800 (rank 77 of 77). Among its 6 neighboring counties, Jackson County has the highest median home value ($158,400) and Hardeman County the lowest ($81,900); all share the same loan limit. Owners pay a median $537 a year in property tax, an effective rate of about 0.67% 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: Harford County, MD
- 2026 conforming loan limit: Harlan County, KY
- 2026 conforming loan limit: Harlan County, NE
- 2026 conforming loan limit: Harnett County, NC
- 2026 conforming loan limit: Harney County, OR
- 2026 conforming loan limit: Harper County, KS
- 2026 conforming loan limit: Harper County, OK
- 2026 conforming loan limit: Harris County, GA
Last updated 2026-10-16. Data only, not financial or tax advice.