Ottawa County, Oklahoma has a 2026 one-unit conforming loan limit of $832,750, which is 6.8 times the county's median home value of $123,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $49,947 (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) | $123,300 |
| Oklahoma median home value | $199,800 |
| Limit ÷ median home value | 6.75× |
| Median household income | $49,947 |
| Median home value ÷ income | 2.5× |
| Population | 30,341 |
| Median property tax paid (owners) | $763 |
| Effective property tax rate (approx.) | 0.62% |
| Owner-occupied homes | 67.5% |
| Home value rank in Oklahoma | 56 of 77 counties |
| Neighbor: Cherokee County, KS | limit $832,750; median home $100,100 |
| Neighbor: Mcdonald County, MO | limit $832,750; median home $154,700 |
| Neighbor: Newton County, MO | limit $832,750; median home $190,700 |
| Neighbor: Craig County, OK | limit $832,750; median home $150,500 |
| Neighbor: Delaware County, OK | limit $832,750; median home $175,300 |
Across Oklahoma's 77 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Ottawa County's median home value is 38% below the state median of $199,800 (rank 56 of 77). Among its 5 neighboring counties, Newton County has the highest median home value ($190,700) and Cherokee County the lowest ($100,100); all share the same loan limit. Owners pay a median $763 a year in property tax, an effective rate of about 0.62% 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: Ottawa County, KS
- 2026 conforming loan limit: Ottawa County, MI
- 2026 conforming loan limit: Ottawa County, OH
- 2026 conforming loan limit: Otter Tail County, MN
- 2026 conforming loan limit: Ouachita County, AR
- 2026 conforming loan limit: Ouachita Parish, LA
- 2026 conforming loan limit: Ouray County, CO
- 2026 conforming loan limit: Outagamie County, WI
Last updated 2026-10-16. Data only, not financial or tax advice.