OK mortgage rates

Washington County

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

Washington 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 Washington 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 Washington

A local view of the market.

The real estate market in Washington County, Oklahoma, is experiencing a positive trend with a median listing home price of $217,500, reflecting a 9.3% increase year-over-year. The median sold home price is $188,000, indicating a strong seller's market where homes typically sell for approximately the asking price. Bartlesville is the largest city in Washington County, with a population of approximately 37,383. Dewey follows with a population of 3,379, while smaller towns like Copan and Ramona have populations of 710 and 528, respectively. Washington County offers a mix of rural and suburban living, with agriculture playing a significant role in the local economy. The area is known for its suburban life, with many residents commuting to nearby cities for work. The county's top industries include manufacturing and healthcare, attracting people seeking affordable housing and a quieter lifestyle compared to urban centers.

County snapshot

Market context.

OK

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

Market areaBartlesvilleMapped market area
Area code12780CBSA / MSA reference
Featured communityBartlesvilleFrom the county record
Data year2026Aligned with this limit record
Bartlesville
Top cities & communities

Communities to explore.

Bartlesville
Questions & Answers

Refinancing in Washington County

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

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