OK mortgage rates

Stephens County

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

Stephens 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 Stephens 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 Stephens

A local view of the market.

Stephens County, Oklahoma, has a dynamic real estate market with the median home value at approximately $130,525, reflecting a 7% increase over the past year. The market is currently considered a seller's market, indicating that home prices are generally higher, and properties tend to sell faster. The county's major cities include Duncan, Marlow, and Comanche. Duncan, the largest city, has a population of about 22,000, while Marlow and Comanche have populations of approximately 4,500 and 1,600, respectively. These cities are central to the county's economic and social activities. Living in Stephens County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The area is known for its farming and ranching, contributing to a lifestyle that balances rural charm with suburban conveniences. The top industries include agriculture, manufacturing, and energy, attracting people seeking a quieter lifestyle with opportunities in these 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 areaDuncanMapped market area
Area code20340CBSA / MSA reference
Featured communityDuncanFrom the county record
Data year2026Aligned with this limit record
Duncan
Top cities & communities

Communities to explore.

Duncan
Questions & Answers

Refinancing in Stephens County

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

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