OK mortgage rates

Garfield County

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

Garfield 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 Garfield 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 Garfield

A local view of the market.

The real estate market in Garfield County, Oklahoma, has seen a notable increase in home values. As of October 2024, the median listing price for homes in the county was $154,500, reflecting a 3% increase from the previous year. The average home value in the county is approximately $129,925, which has risen by 2.1% over the past year. Garfield County is home to several key cities, with Enid being the largest. Enid has a population of around 50,000 and serves as a central hub for the county. Other notable cities include Waukomis, Lahoma, and North Enid, each contributing to the county's overall population and economic activity. Living in Garfield County offers a mix of rural and suburban experiences. The county is characterized by its agricultural landscape, with farming and agriculture being significant industries. The suburban areas, particularly around Enid, provide a more urban lifestyle with access to amenities and services. The county attracts new residents due to its affordable housing, community-oriented lifestyle, and opportunities in agriculture and related industries.

County snapshot

Market context.

OK

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

Market areaEnidMapped market area
Area code21420CBSA / MSA reference
Featured communityEnidFrom the county record
Data year2026Aligned with this limit record
Enid
Top cities & communities

Communities to explore.

Enid
Questions & Answers

Refinancing in Garfield County

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

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