Payne County, Oklahoma has a 2026 one-unit conforming loan limit of $832,750, which is 3.7 times the county's median home value of $223,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $49,809 (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) | $223,300 |
| Oklahoma median home value | $199,800 |
| Limit ÷ median home value | 3.73× |
| Median household income | $49,809 |
| Median home value ÷ income | 4.5× |
| Population | 82,972 |
| Median property tax paid (owners) | $1,903 |
| Effective property tax rate (approx.) | 0.85% |
| Owner-occupied homes | 51.0% |
| Home value rank in Oklahoma | 8 of 77 counties |
| Neighbor: Creek County, OK | limit $832,750; median home $182,100 |
| Neighbor: Lincoln County, OK | limit $832,750; median home $166,500 |
| Neighbor: Logan County, OK | limit $832,750; median home $246,700 |
| Neighbor: Noble County, OK | limit $832,750; median home $146,400 |
| Neighbor: Pawnee County, OK | limit $832,750; median home $131,500 |
Across Oklahoma's 77 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Payne County's median home value is 12% above the state median of $199,800 (rank 8 of 77). Among its 5 neighboring counties, Logan County has the highest median home value ($246,700) and Pawnee County the lowest ($131,500); all share the same loan limit. Owners pay a median $1,903 a year in property tax, an effective rate of about 0.85% 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: Pawnee County, NE
- 2026 conforming loan limit: Pawnee County, OK
- 2026 conforming loan limit: Payette County, ID
- 2026 conforming loan limit: Peach County, GA
- 2026 conforming loan limit: Pearl River County, MS
- 2026 conforming loan limit: Pecos County, TX
- 2026 conforming loan limit: Pembina County, ND
- 2026 conforming loan limit: Pemiscot County, MO
Last updated 2026-10-16. Data only, not financial or tax advice.