FHA Loan Limits in Grady County, Oklahoma (2026)
From Grady County, FHA buyers in Grady County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 |
These 2026 limits apply throughout Grady County, from Grady County outward, and sit alongside the limits set for neighboring Oklahoma and Tulsa Counties.
What can you buy with FHA in Grady County?
With Grady County's median sale price estimated near $185,000 (think Grady County), the FHA down payment is roughly $6,475. Factoring Oklahoma property taxes near 0.89%, expect about $1,454 monthly, pointing to income near $56,000 — under Oklahoma's $61,364 median household income.
FHA payment scenarios in Grady County
Here is what an FHA payment looks like at three Grady County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $133,000 | $4,655 | $1,078 |
| Local median — $185,000 | $6,475 | $1,454 |
| At the FHA limit — $541,287 | $18,945 | $4,030 |
Estimates include FHA MIP plus Oklahoma property taxes and insurance. Rates move daily near Grady County too — get notified.
In Grady County and the surrounding Grady County market, FHA's appeal is the math: $6,475 down on a $185,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Grady County
Looking at a duplex or fourplex near Grady County? FHA allows up to $692,997 on two units and $1,041,072 on four in Grady County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Grady County for 2026?
- In Grady County (Grady 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 Grady County with FHA?
- For a median-priced ($185,000) Grady County home, plan on income around $56,000 at a 31% housing ratio — about $1,454/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Grady County?
- 3.5% with a 580+ score — roughly $6,475 on a $185,000 Grady County-area home. Gift funds are allowed.
- Is Grady County a high-cost FHA area?
- No — Grady County uses the $541,287 national floor for one unit.