Stephens County, Oklahoma has a 2026 one-unit conforming loan limit of $832,750, which is 5.7 times the county's median home value of $145,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $61,620 (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) | $145,300 |
| Oklahoma median home value | $199,800 |
| Limit ÷ median home value | 5.73× |
| Median household income | $61,620 |
| Median home value ÷ income | 2.4× |
| Population | 43,551 |
| Median property tax paid (owners) | $990 |
| Effective property tax rate (approx.) | 0.68% |
| Owner-occupied homes | 74.4% |
| Home value rank in Oklahoma | 41 of 77 counties |
| Neighbor: Carter County, OK | limit $832,750; median home $168,500 |
| Neighbor: Comanche County, OK | limit $832,750; median home $163,800 |
| Neighbor: Cotton County, OK | limit $832,750; median home $113,900 |
| Neighbor: Garvin County, OK | limit $832,750; median home $147,800 |
| Neighbor: Grady County, OK | limit $832,750; median home $205,800 |
| Neighbor: Jefferson County, OK | limit $832,750; median home $82,500 |
Across Oklahoma's 77 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Stephens County's median home value is 27% below the state median of $199,800 (rank 41 of 77). Among its 6 neighboring counties, Grady County has the highest median home value ($205,800) and Jefferson County the lowest ($82,500); all share the same loan limit. Owners pay a median $990 a year in property tax, an effective rate of about 0.68% 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: Steele County, MN
- 2026 conforming loan limit: Steele County, ND
- 2026 conforming loan limit: Stephens County, GA
- 2026 conforming loan limit: Stephens County, TX
- 2026 conforming loan limit: Stephenson County, IL
- 2026 conforming loan limit: Sterling County, TX
- 2026 conforming loan limit: Steuben County, IN
- 2026 conforming loan limit: Steuben County, NY
Last updated 2026-10-16. Data only, not financial or tax advice.