FHA Loan Limits in Garfield County, Oklahoma (2026)
Buying in Garfield County or elsewhere in Garfield County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Garfield County to the edges of Garfield County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Oklahoma and Tulsa Counties.
FHA affordability around Garfield County
An FHA buyer near Garfield County faces an estimated $245,000 median, a $8,575 down payment, and — after Oklahoma's 0.89% property tax — a monthly cost around $1,888. That suits household income of roughly $73,000, above Oklahoma's $61,364 median household income, so budget carefully.
FHA payment scenarios in Garfield County
Here is what an FHA payment looks like at three Garfield County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $176,000 | $6,160 | $1,389 |
| Local median — $245,000 | $8,575 | $1,888 |
| At the FHA limit — $541,287 | $18,945 | $4,030 |
Estimates include FHA MIP plus Oklahoma property taxes and insurance. Rates move daily near Garfield County too — get notified.
First-time buyers make up much of FHA activity in Garfield County and across Garfield County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,575 needed on a median Garfield County home.
Multi-unit FHA limits in Garfield County
Looking at a duplex or fourplex near Garfield County? FHA allows up to $692,997 on two units and $1,041,072 on four in Garfield County, with the same low 3.5% down for owner-occupants.
Get FHA Rate & Program Alerts
Free to join in under 30 seconds. Get notified when it is time to act.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Garfield County for 2026?
- In Garfield County (Garfield County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Garfield County with FHA?
- For a median-priced ($245,000) Garfield County home, plan on income around $73,000 at a 31% housing ratio — about $1,888/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Garfield County?
- 3.5% with a 580+ score — roughly $8,575 on a $245,000 Garfield County-area home. Gift funds are allowed.
- Is Garfield County a high-cost FHA area?
- No — Garfield County uses the $541,287 national floor for one unit.