OK mortgage rates

Harmon County

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

Harmon 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 Harmon 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 Harmon

A local view of the market.

The real estate market in Harmon County, Oklahoma, has seen a notable increase in home values. As of 2024, the average home value in the county is approximately $50,916, reflecting a 1.6% increase over the past year. In July 2024, the median sale price of homes was $96,000, marking a significant 19.9% rise compared to the previous year. Harmon County comprises several small towns, with Hollis being the largest city and the county seat. Hollis has a population of around 2,000 residents, making it the most populous city in the county. Other notable towns include Gould and Vinson, each with smaller populations contributing to the county's rural character. Living in Harmon County offers a predominantly rural lifestyle, with agriculture being a key industry. The county's economy is largely driven by farming and ranching, providing a peaceful, community-oriented environment. The area attracts those seeking a quieter, more rural lifestyle, often moving from more urbanized regions for the affordable housing and open spaces. The migration patterns suggest that people are drawn to the county for its agricultural opportunities and the appeal of a close-knit community.

Questions & Answers

Refinancing in Harmon County

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

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