OK mortgage rates

Tulsa County

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

Tulsa 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 Tulsa 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 Tulsa

A local view of the market.

Tulsa County's real estate market is currently experiencing a seller's market, with homes selling faster and at higher prices. As of October 2024, the median sold home price in Tulsa County is $270,046, reflecting a 3.9% increase from the previous year. The median price per square foot stands at $150, indicating a steady demand for residential properties. Tulsa County encompasses several prominent cities, including Tulsa, Broken Arrow, Owasso, and Bixby. Tulsa, the largest city, has a population of approximately 413,066, while Broken Arrow follows with around 113,540 residents. Owasso and Bixby have populations of about 38,240 and 28,000, respectively. These cities contribute significantly to the county's economic and cultural landscape. Living in Tulsa County offers a mix of suburban and rural lifestyles, with suburban areas like Tulsa and Broken Arrow providing a more urban feel, while rural areas offer agricultural opportunities. The county's economy is diverse, with top industries including aerospace, energy, and manufacturing. Migration patterns show that people are attracted to Tulsa County for its affordable housing, quality of life, and job opportunities, making it an appealing destination for both families and professionals.

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
Featured communitiesTulsa · Owasso · Sand SpringsFrom the county record
Data year2026Aligned with this limit record
TulsaOwassoSand Springs
Top cities & communities

Communities to explore.

TulsaOwassoSand SpringsBroken ArrowBixbyJenks
Questions & Answers

Refinancing in Tulsa County

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

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