Pontotoc County, Oklahoma has a 2026 one-unit conforming loan limit of $832,750, which is 4.7 times the county's median home value of $175,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $63,017 (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) | $175,400 |
| Oklahoma median home value | $199,800 |
| Limit ÷ median home value | 4.75× |
| Median household income | $63,017 |
| Median home value ÷ income | 2.8× |
| Population | 38,235 |
| Median property tax paid (owners) | $1,135 |
| Effective property tax rate (approx.) | 0.65% |
| Owner-occupied homes | 66.0% |
| Home value rank in Oklahoma | 16 of 77 counties |
| Neighbor: Coal County, OK | limit $832,750; median home $115,700 |
| Neighbor: Garvin County, OK | limit $832,750; median home $147,800 |
| Neighbor: Hughes County, OK | limit $832,750; median home $102,000 |
| Neighbor: Johnston County, OK | limit $832,750; median home $116,500 |
| Neighbor: Mcclain County, OK | limit $832,750; median home $255,900 |
| Neighbor: Murray County, OK | limit $832,750; median home $159,800 |
| Neighbor: Pottawatomie County, OK | limit $832,750; median home $165,400 |
| Neighbor: Seminole County, OK | limit $832,750; median home $99,500 |
Across Oklahoma's 77 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Pontotoc County's median home value is 12% below the state median of $199,800 (rank 16 of 77). Among its 8 neighboring counties, Mcclain County has the highest median home value ($255,900) and Seminole County the lowest ($99,500); all share the same loan limit. Owners pay a median $1,135 a year in property tax, an effective rate of about 0.65% 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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- 2026 conforming loan limit: Pope County, IL
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- 2026 conforming loan limit: Poquoson City, VA
- 2026 conforming loan limit: Portage County, OH
Last updated 2026-10-16. Data only, not financial or tax advice.