OK mortgage rates

Wagoner County

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

Wagoner 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 Wagoner 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 Wagoner

A local view of the market.

Wagoner County, Oklahoma, has seen a steady increase in real estate values, with the median home sold price reaching $292,697 in October 2024, reflecting a 5% rise from the previous year. The county remains a seller's market, indicating that homes tend to sell quickly and often above asking prices. The top cities in Wagoner County include Coweta, with a population of approximately 11,143, and Wagoner, home to about 8,615 residents. Other notable areas are Whitehorn Cove and Toppers, with populations of 1,440 and 1,349, respectively. Wagoner County offers a blend of rural and suburban living, with agriculture playing a significant role in the local economy. The county's economic development initiatives aim to attract businesses, contributing to a diverse job market. Many people are drawn to the area for its affordable housing, quality education, and recreational opportunities, making it an appealing destination for those seeking a balance between rural charm and suburban convenience.

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 Wagoner County

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

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