FHA Loan Limits in Tulsa County, Oklahoma (2026)
Tulsa County and the rest of Tulsa County, Oklahoma fall under a 2026 one-unit FHA limit of $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 |
Every community in Tulsa County — Tulsa County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Oklahoma and Cleveland Counties.
How much home can you afford in Tulsa County?
With Tulsa County's median sale price estimated near $250,000 (think Tulsa County), the FHA down payment is roughly $8,750. Factoring Oklahoma property taxes near 0.89%, expect about $1,924 monthly, pointing to income near $74,000 — above Oklahoma's $61,364 median household income, so budget carefully.
FHA payment scenarios in Tulsa County
Here is what an FHA payment looks like at three Tulsa County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $180,000 | $6,300 | $1,418 |
| Local median — $250,000 | $8,750 | $1,924 |
| At the FHA limit — $541,287 | $18,945 | $4,030 |
Estimates include FHA MIP plus Oklahoma property taxes and insurance. Rates move daily near Tulsa County too — get notified.
Buyers across Tulsa County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $8,750 down payment near Tulsa County into little out of pocket.
Multi-unit FHA limits in Tulsa County
Looking at a duplex or fourplex near Tulsa County? FHA allows up to $692,997 on two units and $1,041,072 on four in Tulsa 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 Tulsa County for 2026?
- In Tulsa County (Tulsa 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 Tulsa County with FHA?
- For a median-priced ($250,000) Tulsa County home, plan on income around $74,000 at a 31% housing ratio — about $1,924/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Tulsa County?
- 3.5% with a 580+ score — roughly $8,750 on a $250,000 Tulsa County-area home. Gift funds are allowed.
- Is Tulsa County a high-cost FHA area?
- No — Tulsa County uses the $541,287 national floor for one unit.