OK mortgage rates

Osage County

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

Osage 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 Osage 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 Osage

A local view of the market.

The real estate market in Osage County, Oklahoma, is experiencing growth, with the average home value reaching $192,454, marking a 4.2% increase over the past year. Homes in the area typically go to pending status in about 23 days, indicating a relatively active market. Osage County is home to several notable cities, including Pawhuska, the county seat, with a population of approximately 3,500 residents. Other significant cities include Skiatook, with around 7,900 residents, and Hominy, which has a population of about 3,500. These cities serve as central hubs for the county's cultural and economic activities. Living in Osage County offers a blend of rural and suburban lifestyles, with agriculture and farming playing a significant role in the local economy. The county is known for its scenic landscapes and open spaces, attracting those seeking a quieter, more rural lifestyle. Key industries include agriculture, energy, and tourism, with many people moving to the area for its affordable housing and the opportunity to enjoy a more relaxed pace of life.

County snapshot

Market context.

OK

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

Market areaTulsaMapped market area
Area code46140CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Osage County

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

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