OHFA Gold limits
Oklahoma income and purchase price limits
4 Schools and Shield use OHFA's Gold limits. Income limits change by county and household size; the price limit is the same statewide.
Income: OHFA adds up the annualized gross income of every household member 18 and older. The table shows Gold Government limits (Exhibit H-1A, effective Sept 1, 2025) for 1-2 people and 3 or more, for areas outside targeted census tracts.
Targeted tracts: Some census tracts in counties like Oklahoma, Tulsa, Cleveland and Comanche are federally targeted. There, limits are higher ($104,280-$117,240 for 1-2 people and $121,660-$136,780 for 3+), the price cap is $427,198, and the 3-year first-time buyer rule doesn't apply.
Conventional loans: If you pick the Freddie Mac option, OHFA uses a separate 115% AMI limit with one figure for any household size, ranging from $85,330 to $114,885 depending on county.
Price: $349,525 for a new or existing home outside targeted areas (Exhibit H-2A, effective June 1, 2022).
| Area | Income cap, household of 1 or 2 | Income cap, household of 3+ | Most the house can cost |
|---|---|---|---|
| Oklahoma County | $97,700 | $112,355 | $349,525 |
| Tulsa County | $98,474 | $113,245 | $349,525 |
| Cleveland County | $97,700 | $112,355 | $349,525 |
| Canadian County | $97,700 | $112,355 | $349,525 |
| Comanche County | $89,400 | $104,300 | $349,525 |
| Rogers County | $98,474 | $113,245 | $349,525 |
| Wagoner County | $98,474 | $113,245 | $349,525 |
| Payne County | $99,840 | $114,878 | $349,525 |
| Pottawatomie County | $89,040 | $103,880 | $349,525 |
| Creek County | $98,474 | $113,245 | $349,525 |
| Muskogee County | $91,680 | $106,960 | $349,525 |
| Garfield County | $98,694 | $113,498 | $349,525 |
| Grady County | $97,174 | $111,750 | $349,525 |
| Logan County | $97,700 | $112,355 | $349,525 |
| Washington County | $98,914 | $113,751 | $349,525 |
| Bryan County | $89,040 | $103,880 | $349,525 |
| Le Flore County | $89,040 | $103,880 | $349,525 |
| McClain County | $97,700 | $112,355 | $349,525 |
| Cherokee County | $89,040 | $103,880 | $349,525 |
| Carter County | $97,920 | $114,240 | $349,525 |
From OHFA 2025 Gold Government Maximum Household Income Limits (Exhibit H-1A) and Maximum Purchase Price Limits (Exhibit H-2A) - non-target figures shown, in effect Income limits Sept 1, 2025; purchase price limits June 1, 2022 (still current per OHFA site Nov 2026). These figures get updated from time to time, and your lender confirms the ones in force when you apply.
