Harper County, Oklahoma has a 2026 one-unit conforming loan limit of $832,750, which is 8.4 times the county's median home value of $99,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $64,053 (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) | $99,200 |
| Oklahoma median home value | $199,800 |
| Limit ÷ median home value | 8.39× |
| Median household income | $64,053 |
| Median home value ÷ income | 1.5× |
| Population | 3,203 |
| Median property tax paid (owners) | $634 |
| Effective property tax rate (approx.) | 0.64% |
| Owner-occupied homes | 83.6% |
| Home value rank in Oklahoma | 72 of 77 counties |
| Neighbor: Clark County, KS | limit $832,750; median home $87,600 |
| Neighbor: Comanche County, KS | limit $832,750; median home $69,600 |
| Neighbor: Beaver County, OK | limit $832,750; median home $130,100 |
| Neighbor: Ellis County, OK | limit $832,750; median home $119,100 |
| Neighbor: Woods County, OK | limit $832,750; median home $139,600 |
| Neighbor: Woodward County, OK | limit $832,750; median home $169,000 |
Across Oklahoma's 77 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Harper County's median home value is 50% below the state median of $199,800 (rank 72 of 77). Among its 6 neighboring counties, Woodward County has the highest median home value ($169,000) and Comanche County the lowest ($69,600); all share the same loan limit. Owners pay a median $634 a year in property tax, an effective rate of about 0.64% 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: Harnett County, NC
- 2026 conforming loan limit: Harney County, OR
- 2026 conforming loan limit: Harper County, KS
- 2026 conforming loan limit: Harris County, GA
- 2026 conforming loan limit: Harris County, TX
- 2026 conforming loan limit: Harrison County, IA
- 2026 conforming loan limit: Harrison County, IN
- 2026 conforming loan limit: Harrison County, KY
Last updated 2026-10-16. Data only, not financial or tax advice.