OK mortgage rates

Blaine County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Blaine 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

Blaine 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 Blaine 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 Blaine

A local view of the market.

Blaine County, Oklahoma's real estate market is characterized by relatively affordable housing, with the average home value standing at approximately $98,899, reflecting a 5.6% increase over the past year. The market is currently considered a buyer's market, with homes selling for a median price of $90,000 as of October 2024, which represents a significant 53.8% increase from the previous month. The top cities in Blaine County include Watonga, Geary, and Okeene. Watonga, the county seat, has a population of around 2,800 residents, offering a small-town atmosphere with essential amenities. Geary, partially located in Canadian County, has a population of approximately 1,300, and Okeene is home to about 1,200 people, known for its community events and local charm. Living in Blaine County offers a predominantly rural lifestyle, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and ranches, contributing to its agricultural output. While there are some suburban areas, the county is largely rural, providing residents with a quiet, community-focused way of life, away from the hustle and bustle of urban centers.

Questions & Answers

Refinancing in Blaine County

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

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