Loan Limits / Oklahoma / Ottawa County
2026 Loan Limits · Oklahoma · MIAMI, OK
Ottawa County, OK.
2026 conforming and FHA loan limits, calibrated to a median sales price of $85,000.
Median Sales Price
$85,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Ottawa County
Ottawa County is a county located in the northeastern corner of the U.S. state of Oklahoma. As of the 2020 census, the population was 30,285. Its county seat is Miami. The county was named for the Ottawa Tribe of Oklahoma. It is also the location of the federally recognized Modoc Nation and the Quapaw Nation, which is based in Quapaw. Ottawa County comprises the Miami micropolitan statistical area, which is included in the Joplin-Miami, MO-OK combined statistical area. The county borders both Kansas and Missouri. The county was an important lead and zinc mining region during the early 1900s, and in 1983, the Tar Creek Superfund site was inaugurated to clean up tailings and prevent groundwater and waterway contamination with leachates. Read more on Wikipedia →
Population
30,360
U.S. Census ACS 2023
Median Household Income
$48,656
U.S. Census ACS 2023
Median Home Value (Census)
$114,300
Owner-occupied · ACS 2023
Owner-Occupancy Rate
67%
Of occupied housing
What these limits mean for buyers in Ottawa County
The 2026 conforming 1-unit limit for Ottawa County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Ottawa County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Ottawa County at $85,000. This matches the FHA national floor — Ottawa County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Ottawa County ($85,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Ottawa County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Ottawa County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.