OK mortgage rates

Ellis County

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

Ellis 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 Ellis 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 Ellis

A local view of the market.

Ellis County, Oklahoma, features a real estate market with a median home value of approximately $93,395, which has decreased by 6% over the past year. This reflects a trend of declining property values in the area, potentially offering opportunities for buyers looking for affordable housing options. The county's most notable cities include Arnett, which serves as the county seat, and Shattuck, known for its windmill museum. While specific population figures for these towns are not detailed, Ellis County as a whole had an estimated population of 3,648 as of July 2023. Living in Ellis County is characterized by a predominantly rural lifestyle, with agriculture being a significant part of the local economy. The area is known for its farming and ranching activities, contributing to its rural charm. The county's low population density and agricultural focus attract individuals seeking a quieter, more rural lifestyle, away from the hustle and bustle of urban centers. The top industries include agriculture, retail, and transportation, which support the local economy and provide employment opportunities.

County snapshot

Market context.

OK

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

Market areaWoodwardMapped market area
Area code49260CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Ellis County

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

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