FHA Loan Limits in Wagoner County, Oklahoma (2026)
Wagoner County and the rest of Wagoner 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 Wagoner County — Wagoner County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Oklahoma and Tulsa Counties.
How much home can you afford in Wagoner County?
Homes around Wagoner County carry an estimated local median near $218,000, so an FHA buyer in Wagoner County puts down about $7,630 (3.5%). With Oklahoma's 0.89% effective property-tax rate, the all-in payment runs near $1,693 a month — comfortable on household income around $66,000, above Oklahoma's $61,364 median household income, so budget carefully.
FHA payment scenarios in Wagoner County
Here is what an FHA payment looks like at three Wagoner County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $157,000 | $5,495 | $1,252 |
| Local median — $218,000 | $7,630 | $1,693 |
| At the FHA limit — $541,287 | $18,945 | $4,030 |
Estimates include FHA MIP plus Oklahoma property taxes and insurance. Rates move daily near Wagoner County too — get notified.
Buyers across Wagoner County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,630 down payment near Wagoner County into little out of pocket.
Multi-unit FHA limits in Wagoner County
Looking at a duplex or fourplex near Wagoner County? FHA allows up to $692,997 on two units and $1,041,072 on four in Wagoner 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 Wagoner County for 2026?
- In Wagoner County (Wagoner 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 Wagoner County with FHA?
- For a median-priced ($218,000) Wagoner County home, plan on income around $66,000 at a 31% housing ratio — about $1,693/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Wagoner County?
- 3.5% with a 580+ score — roughly $7,630 on a $218,000 Wagoner County-area home. Gift funds are allowed.
- Is Wagoner County a high-cost FHA area?
- No — Wagoner County uses the $541,287 national floor for one unit.