Kay County, Oklahoma has a 2026 one-unit conforming loan limit of $832,750, which is 6.7 times the county's median home value of $124,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $58,423 (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) | $124,700 |
| Oklahoma median home value | $199,800 |
| Limit ÷ median home value | 6.68× |
| Median household income | $58,423 |
| Median home value ÷ income | 2.1× |
| Population | 43,625 |
| Median property tax paid (owners) | $821 |
| Effective property tax rate (approx.) | 0.66% |
| Owner-occupied homes | 69.2% |
| Home value rank in Oklahoma | 55 of 77 counties |
| Neighbor: Cowley County, KS | limit $832,750; median home $120,900 |
| Neighbor: Sumner County, KS | limit $832,750; median home $135,100 |
| Neighbor: Garfield County, OK | limit $832,750; median home $160,100 |
| Neighbor: Grant County, OK | limit $832,750; median home $105,700 |
| Neighbor: Noble County, OK | limit $832,750; median home $146,400 |
| Neighbor: Osage County, OK | limit $832,750; median home $182,100 |
Across Oklahoma's 77 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Kay County's median home value is 38% below the state median of $199,800 (rank 55 of 77). Among its 6 neighboring counties, Osage County has the highest median home value ($182,100) and Grant County the lowest ($105,700); all share the same loan limit. Owners pay a median $821 a year in property tax, an effective rate of about 0.66% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.