Mcclain County, Oklahoma has a 2026 one-unit conforming loan limit of $832,750, which is 3.3 times the county's median home value of $255,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $84,552 (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) | $255,900 |
| Oklahoma median home value | $199,800 |
| Limit ÷ median home value | 3.25× |
| Median household income | $84,552 |
| Median home value ÷ income | 3.0× |
| Population | 45,273 |
| Median property tax paid (owners) | $2,023 |
| Effective property tax rate (approx.) | 0.79% |
| Owner-occupied homes | 79.3% |
| Home value rank in Oklahoma | 1 of 77 counties |
| Neighbor: Canadian County, OK | limit $832,750; median home $246,200 |
| Neighbor: Cleveland County, OK | limit $832,750; median home $235,700 |
| Neighbor: Garvin County, OK | limit $832,750; median home $147,800 |
| Neighbor: Grady County, OK | limit $832,750; median home $205,800 |
| Neighbor: Pontotoc County, OK | limit $832,750; median home $175,400 |
| Neighbor: Pottawatomie County, OK | limit $832,750; median home $165,400 |
Across Oklahoma's 77 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Mcclain County's median home value is 28% above the state median of $199,800 (rank 1 of 77). Among its 6 neighboring counties, Canadian County has the highest median home value ($246,200) and Garvin County the lowest ($147,800); all share the same loan limit. Owners pay a median $2,023 a year in property tax, an effective rate of about 0.79% 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.