Income limits · Oklahoma

Income limits and price caps in Oklahoma

60 Oklahoma programs publish an income limit, a price cap, or both. Most write the limit as a share of the county’s area median income.60 Oklahoma programs publish an income limit, a purchase price cap, or both. Most write the limit as a share of the county’s area median income. Here is how to read one.

01
HUD sets the median
Each year, for every county, quoted for a household of four.Each year HUD publishes the area median income for every county, quoted for a household of four.
02
The program picks a share
Up to that share of the median for the county where the home is.A limit written as a share of area median income means up to that share of the median for the county where the home is.
03
The agency publishes the dollars
Adjusted for household size, in the program’s own table. That table is the one that counts.The program adjusts its limit for household size and county, and publishes its own table. That table is the one that counts.

Area median income by county

Find your county’s median

HUD’s four-person figure. Programs adjust it for household size.HUD’s four-person figure for the county where the home is. A program applies its percentage to this number, adjusted for household size by the program.

County	Area median income, 4 people	Programs in county	HUD year	Link
Oklahoma	$97,300	6	FY2026	Oklahoma programs →
Tulsa	$95,000	6	FY2026	Tulsa programs →
Caddo	$71,800	4	FY2026	Caddo programs →
Kay	$77,500	4	FY2026	Kay programs →
Cleveland	$97,300	2	FY2026	Cleveland programs →
Comanche	$79,600	2	FY2026	Comanche programs →
Ottawa	$64,800	2	FY2026	Ottawa programs →
Payne	$98,800	2	FY2026	Payne programs →
Canadian	$97,300	1	FY2026	Canadian programs →
Delaware	$75,200	1	FY2026	Delaware programs →
Noble	$95,300	1	FY2026	Noble programs →
Pottawatomie	$82,200	1	FY2026	Pottawatomie programs →
Rogers	$95,000	1	FY2026	Rogers programs →
Adair	$61,500	0	FY2026	Adair programs →
Alfalfa	$93,500	0	FY2026	Alfalfa programs →
Atoka	$73,600	0	FY2026	Atoka programs →
Beaver	$76,900	0	FY2026	Beaver programs →
Beckham	$70,800	0	FY2026	Beckham programs →
Blaine	$79,900	0	FY2026	Blaine programs →
Bryan	$73,800	0	FY2026	Bryan programs →
Carter	$80,400	0	FY2026	Carter programs →
Cherokee	$71,300	0	FY2026	Cherokee programs →
Choctaw	$65,200	0	FY2026	Choctaw programs →
Cimarron	$99,100	0	FY2026	Cimarron programs →
Coal	$63,200	0	FY2026	Coal programs →
Cotton	$84,500	0	FY2026	Cotton programs →
Craig	$65,600	0	FY2026	Craig programs →
Creek	$95,000	0	FY2026	Creek programs →
Custer	$81,400	0	FY2026	Custer programs →
Dewey	$78,000	0	FY2026	Dewey programs →
Ellis	$78,100	0	FY2026	Ellis programs →
Garfield	$87,000	0	FY2026	Garfield programs →
Garvin	$75,600	0	FY2026	Garvin programs →
Grady	$96,000	0	FY2026	Grady programs →
Grant	$78,400	0	FY2026	Grant programs →
Greer	$73,400	0	FY2026	Greer programs →
Harmon	$55,300	0	FY2026	Harmon programs →
Harper	$78,200	0	FY2026	Harper programs →
Haskell	$65,600	0	FY2026	Haskell programs →
Hughes	$66,500	0	FY2026	Hughes programs →
Jackson	$85,200	0	FY2026	Jackson programs →
Jefferson	$61,700	0	FY2026	Jefferson programs →
Johnston	$68,700	0	FY2026	Johnston programs →
Kingfisher	$82,100	0	FY2026	Kingfisher programs →
Kiowa	$61,800	0	FY2026	Kiowa programs →
Latimer	$63,200	0	FY2026	Latimer programs →
Le Flore	$69,300	0	FY2026	Le Flore programs →
Lincoln	$77,500	0	FY2026	Lincoln programs →
Logan	$97,300	0	FY2026	Logan programs →
Love	$78,800	0	FY2026	Love programs →
Major	$87,300	0	FY2026	Major programs →
Marshall	$68,600	0	FY2026	Marshall programs →
Mayes	$76,200	0	FY2026	Mayes programs →
McClain	$97,300	0	FY2026	McClain programs →
McCurtain	$70,600	0	FY2026	McCurtain programs →
McIntosh	$62,000	0	FY2026	McIntosh programs →
Murray	$84,800	0	FY2026	Murray programs →
Muskogee	$74,100	0	FY2026	Muskogee programs →
Nowata	$70,900	0	FY2026	Nowata programs →
Okfuskee	$65,900	0	FY2026	Okfuskee programs →
Okmulgee	$72,600	0	FY2026	Okmulgee programs →
Osage	$95,000	0	FY2026	Osage programs →
Pawnee	$76,400	0	FY2026	Pawnee programs →
Pittsburg	$74,600	0	FY2026	Pittsburg programs →
Pontotoc	$84,200	0	FY2026	Pontotoc programs →
Pushmataha	$64,900	0	FY2026	Pushmataha programs →
Roger Mills	$79,000	0	FY2026	Roger Mills programs →
Seminole	$62,100	0	FY2026	Seminole programs →
Sequoyah	$76,800	0	FY2026	Sequoyah programs →
Stephens	$81,500	0	FY2026	Stephens programs →
Texas	$84,600	0	FY2026	Texas programs →
Tillman	$67,200	0	FY2026	Tillman programs →
Wagoner	$95,000	0	FY2026	Wagoner programs →
Washington	$84,500	0	FY2026	Washington programs →
Washita	$77,900	0	FY2026	Washita programs →
Woods	$88,500	0	FY2026	Woods programs →
Woodward	$76,000	0	FY2026	Woodward programs →

HUD FY2026 Income Limits, median family income for a four-person household. Program counts: programs whose record names the county, Hey Prescott, verified June–August 2026. Statewide programs apply too.

How programs set their limits

The percentage each program publishesThe percentage each Oklahoma program publishes

Grouped by the limit in each program’s own record.Grouped by the limit written in the program’s own record. A program may also set lower tiers inside its limit; the program page has the details.

Up to 80% AMI

36 programs

All 36 →

Up to 115% AMI

2 programs

Up to 110% AMI

1 program

Down Payment & Closing Cost Grant

Up to 120% AMI

1 program

Homepath

Up to 140% AMI

1 program

Opendoor

Other limits

No percentage published · 19
Each sets its limit another way: a dollar figure, the agency’s own words, or a price cap only.
All 19 →

Limits as written in each program record, Hey Prescott, verified June–August 2026. Confirm current limits with the administering agency.

Purchase price caps

15 programs also cap the home’s price15 programs also cap the price of the home

The highest price the program accepts, as it publishes it.The cap is the highest purchase price the program accepts, as the program publishes it.

Program	County	Income limit	Price cap
TCHFA First Home Program	Tulsa	—	$544,232
Tulsa County First Home Program	Tulsa	—	$544,232
CCHLA First Home Program	Cleveland	—	$510,939
OCHFA Turnkey Plus GRANT Program	Multi-County	—	$510,939
OHFA Dream Loan Program	Statewide	—	$453,100
OHFA Gold Loan Program	Statewide	—	$427,198
OHFA Gold 4Schools	—	115% AMI	$349,525
OHFA Gold Shield	—	115% AMI	$349,525
Oklahoma City HOME program	Oklahoma	80% AMI	$280,000
Oklahoma/Canadian counties HOME program	Multiple	80% AMI	$280,000
City of Stillwater Homebuyer Assistance Program	Payne	80% AMI	$250,000
Homepath	Oklahoma	120% AMI	$250,000
Opendoor	Oklahoma	140% AMI	$250,000
City of Norman Down Payment Assistance Program	Cleveland	80% AMI	$190,000
Central Oklahoma Habitat for Humanity Affordable Homeownership Program	Oklahoma	80% AMI	$165,000

All 15 price caps →

OHFA Gold 4Schools$349,525
OHFA Gold Shield$349,525
Oklahoma City HOME program$280,000
Oklahoma/Canadian counties HOME program$280,000
City of Stillwater Homebuyer Assistance Program$250,000
Homepath$250,000
Opendoor$250,000
City of Norman Down Payment Assistance Program$190,000
Central Oklahoma Habitat for Humanity Affordable Homeownership Program$165,000

Sorted by cap. Caps as published by each agency, Hey Prescott program records, verified June–August 2026.

Not sure where your income lands?

10 HUD-approved counseling agencies in Oklahoma10 HUD-approved housing counseling agencies in Oklahoma

A counselor can walk through a program’s own income table with you, for free.A counselor can walk through a program’s own income table with you, for free. Create an account, take the 90-second match, and we’ll show the counselors near you.

Find my counselor

Free account → 90-second match → your counselors

Keep exploring Oklahoma

Oklahoma programs60 programsBack to Oklahoma →All 77 countiesLocal programs and mediansSee counties →7 cities with a programedmond, lawton, norman and moreSee cities →How income limits workCounted across every stateRead it →

Questions, answered

What are the income limits for down payment assistance in Oklahoma?

60 down payment assistance programs in Oklahoma publish an income limit, a purchase price cap, or both. 41 express the limit as a share of the area median income for the county where the home is, and 30 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a share of area median income, which HUD publishes per county and revises annually. A program with one published share therefore admits a different dollar figure in each county, and the program adjusts that figure for household size in its own table.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

Sources

U.S. Department of Housing and Urban Development, FY2026 Income Limits: median family income, four-person household, by county. HUD’s own household-size tables →
Program limits and price caps: each administering agency, as recorded by Hey Prescott, verified June–August 2026.
HUD-approved housing counseling agencies: HUD agency list.