OK mortgage rates

Beckham County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Beckham County, Oklahoma. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Beckham County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Beckham County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Beckham

A local view of the market.

In Beckham County, Oklahoma, the real estate market has shown significant growth. As of October 2024, the median listing home price was $220,000, marking a 22.9% increase from the previous year. Homes in the area are typically listed at $112 per square foot, and the median sold home price is $188,000, indicating a buyer's market where homes sell for slightly below the asking price. The county's largest city is Elk City, with a population of approximately 11,561 as of the 2020 census. Sayre, the county seat, has a population of around 4,768. Other notable cities include Erick and Carter, contributing to the overall population of Beckham County, which is estimated to be about 22,108 in 2024. Living in Beckham County offers a mix of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is known for its farming and ranching activities, with major crops including cotton, wheat, and alfalfa. The largest industries include mining, quarrying, and oil and gas extraction, which attract people seeking employment opportunities in these sectors. The area's rural charm and economic opportunities make it an appealing destination for those moving from more urbanized regions.

County snapshot

Market context.

OK

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaElk CityMapped market area
Area code21120CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Beckham County

Common questions about 2026 loan limits and refinancing opportunities in Oklahoma.

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