FHA Loan Limits in Kay County, Oklahoma (2026)
From Kay County, FHA buyers in Kay 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 |
From Kay County to the edges of Kay County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Oklahoma and Tulsa Counties.
What can you buy with FHA in Kay County?
With Kay County's median sale price estimated near $227,000 (think Kay County), the FHA down payment is roughly $7,945. Factoring Oklahoma property taxes near 0.89%, expect about $1,758 monthly, pointing to income near $68,000 — above Oklahoma's $61,364 median household income, so budget carefully.
FHA payment scenarios in Kay County
FHA payments across Kay County price points — from entry homes near Kay County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $163,000 | $5,705 | $1,295 |
| Local median — $227,000 | $7,945 | $1,758 |
| At the FHA limit — $541,287 | $18,945 | $4,030 |
Estimates include FHA MIP plus Oklahoma property taxes and insurance. Rates move daily near Kay County too — get notified.
First-time buyers make up much of FHA activity in Kay County and across Kay County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $7,945 needed on a median Kay County home.
Multi-unit FHA limits in Kay County
Kay County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Kay County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Kay County for 2026?
- In Kay County (Kay 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 Kay County with FHA?
- For a median-priced ($227,000) Kay County home, plan on income around $68,000 at a 31% housing ratio — about $1,758/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Kay County?
- 3.5% with a 580+ score — roughly $7,945 on a $227,000 Kay County-area home. Gift funds are allowed.
- Is Kay County a high-cost FHA area?
- No — Kay County uses the $541,287 national floor for one unit.