FHA Loan Limits in Stephens County, Oklahoma (2026)
Buying in Stephens County or elsewhere in Stephens 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 |
These 2026 limits apply throughout Stephens County, from Stephens County outward, and sit alongside the limits set for neighboring Oklahoma and Tulsa Counties.
FHA affordability around Stephens County
Homes around Stephens County carry an estimated local median near $224,000, so an FHA buyer in Stephens County puts down about $7,840 (3.5%). With Oklahoma's 0.89% effective property-tax rate, the all-in payment runs near $1,736 a month — comfortable on household income around $67,000, above Oklahoma's $61,364 median household income, so budget carefully.
FHA payment scenarios in Stephens County
FHA payments across Stephens County price points — from entry homes near Stephens County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $161,000 | $5,635 | $1,281 |
| Local median — $224,000 | $7,840 | $1,736 |
| At the FHA limit — $541,287 | $18,945 | $4,030 |
Estimates include FHA MIP plus Oklahoma property taxes and insurance. Rates move daily near Stephens County too — get notified.
In Stephens County and the surrounding Stephens County market, FHA's appeal is the math: $7,840 down on a $224,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Stephens County
Stephens County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Stephens 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 Stephens County for 2026?
- In Stephens County (Stephens 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 Stephens County with FHA?
- For a median-priced ($224,000) Stephens County home, plan on income around $67,000 at a 31% housing ratio — about $1,736/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Stephens County?
- 3.5% with a 580+ score — roughly $7,840 on a $224,000 Stephens County-area home. Gift funds are allowed.
- Is Stephens County a high-cost FHA area?
- No — Stephens County uses the $541,287 national floor for one unit.