OK mortgage rates

Kay County

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

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

About Kay

A local view of the market.

Kay County, Oklahoma's real estate market has seen a slight decline in home values over the past year. The average home value in the county is approximately $102,429, which represents a decrease of 0.6% from the previous year. Homes in Kay County typically go to pending status in about 21 days, indicating a relatively brisk market pace. The top cities in Kay County include Ponca City, Blackwell, Tonkawa, and Newkirk. Ponca City is the largest, with a population of approximately 24,285. Blackwell follows with a population of about 6,073, while Tonkawa and Newkirk have populations of 2,991 and 2,180, respectively. Living in Kay County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is known for its farming and agricultural activities, which contribute to its rural charm. Additionally, the presence of industries such as energy and manufacturing supports the local economy. Migration patterns suggest that people might be attracted to Kay County for its affordable housing, slower pace of life, and opportunities in agriculture and energy sectors.

County snapshot

Market context.

OK

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

Market areaPonca CityMapped market area
Area code38620CBSA / MSA reference
Featured communitiesPonca · Ponca From the county record
Data year2026Aligned with this limit record
PoncaPonca
Top cities & communities

Communities to explore.

Ponca
Questions & Answers

Refinancing in Kay County

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

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