Oklahoma Section 538 income limits for FY2026
A Section 538 tenant can earn up to 115% of area median income at move-in. In Oklahoma that limit for a family of four runs from $71,300 in Adair County, OK to $114,900 in Alfalfa County, OK. Limits took effect July 13, 2026.
| Area | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Enid, OK metro area | 71,800 | 82,100 | 92,350 | 102,600 | 110,800 | 119,000 | 127,200 | 135,450 |
| Fort Smith, AR-OK metro area | 61,800 | 70,650 | 79,450 | 88,300 | 95,350 | 102,450 | 109,500 | 116,550 |
| Cotton County, OK part of the Lawton, OK metro area | 68,450 | 78,200 | 88,000 | 97,750 | 105,550 | 113,400 | 121,200 | 129,050 |
| Lawton, OK metro area | 64,100 | 73,250 | 82,400 | 91,550 | 98,850 | 106,200 | 113,500 | 120,850 |
| Grady County, OK part of the Oklahoma City, OK metro area | 77,900 | 89,050 | 100,150 | 111,300 | 120,200 | 129,100 | 138,000 | 146,900 |
| Lincoln County, OK part of the Oklahoma City, OK metro area | 62,400 | 71,300 | 80,250 | 89,150 | 96,300 | 103,400 | 110,550 | 117,700 |
| Oklahoma City, OK metro area | 78,700 | 89,950 | 101,200 | 112,450 | 121,450 | 130,400 | 139,400 | 148,400 |
| Okmulgee County, OK part of the Tulsa, OK metro area | 58,500 | 66,950 | 75,300 | 83,650 | 90,350 | 97,050 | 103,750 | 110,400 |
| Pawnee County, OK part of the Tulsa, OK metro area | 62,850 | 71,850 | 80,800 | 89,800 | 97,000 | 104,150 | 111,350 | 118,550 |
| Tulsa, OK metro area | 76,500 | 87,400 | 98,350 | 109,250 | 118,000 | 126,750 | 135,450 | 144,200 |
| Adair County, OK | 49,900 | 57,050 | 64,150 | 71,300 | 77,000 | 82,700 | 88,400 | 94,100 |
| Alfalfa County, OK | 80,450 | 91,900 | 103,400 | 114,900 | 124,100 | 133,300 | 142,500 | 151,650 |
| Atoka County, OK | 59,250 | 67,700 | 76,200 | 84,650 | 91,400 | 98,200 | 104,950 | 111,750 |
| Beaver County, OK | 63,600 | 72,700 | 81,750 | 90,850 | 98,100 | 105,400 | 112,650 | 119,900 |
| Beckham County, OK | 64,600 | 73,800 | 83,050 | 92,250 | 99,650 | 107,000 | 114,400 | 121,750 |
| Blaine County, OK | 64,350 | 73,500 | 82,700 | 91,900 | 99,250 | 106,600 | 113,950 | 121,300 |
| Bryan County, OK | 59,400 | 67,900 | 76,350 | 84,850 | 91,650 | 98,450 | 105,200 | 112,000 |
| Caddo County, OK | 57,800 | 66,050 | 74,300 | 82,550 | 89,150 | 95,750 | 102,350 | 108,950 |
| Carter County, OK | 65,700 | 75,100 | 84,450 | 93,850 | 101,350 | 108,850 | 116,350 | 123,900 |
| Cherokee County, OK | 58,500 | 66,900 | 75,250 | 83,600 | 90,300 | 97,000 | 103,650 | 110,350 |
| Choctaw County, OK | 54,900 | 62,750 | 70,600 | 78,450 | 84,750 | 91,000 | 97,300 | 103,550 |
| Cimarron County, OK | 72,300 | 82,650 | 92,950 | 103,250 | 111,550 | 119,800 | 128,050 | 136,300 |
| Coal County, OK | 50,900 | 58,150 | 65,450 | 72,700 | 78,500 | 84,350 | 90,150 | 95,950 |
| Craig County, OK | 52,800 | 60,350 | 67,900 | 75,450 | 81,500 | 87,500 | 93,550 | 99,600 |
| Custer County, OK | 67,300 | 76,900 | 86,550 | 96,150 | 103,850 | 111,550 | 119,250 | 126,900 |
| Delaware County, OK | 60,550 | 69,200 | 77,850 | 86,500 | 93,400 | 100,350 | 107,250 | 114,200 |
| Dewey County, OK | 62,800 | 71,750 | 80,750 | 89,700 | 96,900 | 104,050 | 111,250 | 118,400 |
| Ellis County, OK | 63,600 | 72,700 | 81,750 | 90,850 | 98,100 | 105,400 | 112,650 | 119,900 |
| Garvin County, OK | 60,850 | 69,550 | 78,250 | 86,950 | 93,900 | 100,850 | 107,800 | 114,750 |
| Grant County, OK | 70,750 | 80,900 | 91,000 | 101,100 | 109,200 | 117,300 | 125,350 | 133,450 |
| Greer County, OK | 59,650 | 68,250 | 76,750 | 85,300 | 92,100 | 98,950 | 105,750 | 112,600 |
| Harmon County, OK | 57,400 | 65,600 | 73,800 | 82,000 | 88,550 | 95,100 | 101,700 | 108,250 |
| Harper County, OK | 63,900 | 73,050 | 82,150 | 91,300 | 98,600 | 105,900 | 113,200 | 120,500 |
| Haskell County, OK | 54,000 | 61,700 | 69,450 | 77,150 | 83,300 | 89,500 | 95,650 | 101,850 |
| Hughes County, OK | 53,550 | 61,200 | 68,850 | 76,500 | 82,600 | 88,750 | 94,850 | 101,000 |
| Jackson County, OK | 68,600 | 78,400 | 88,200 | 98,000 | 105,850 | 113,700 | 121,500 | 129,350 |
| Jefferson County, OK | 53,450 | 61,100 | 68,700 | 76,350 | 82,450 | 88,550 | 94,650 | 100,800 |
| Johnston County, OK | 55,300 | 63,200 | 71,100 | 79,000 | 85,300 | 91,650 | 97,950 | 104,300 |
| Kay County, OK | 62,400 | 71,300 | 80,250 | 89,150 | 96,300 | 103,400 | 110,550 | 117,700 |
| Kingfisher County, OK | 68,450 | 78,200 | 88,000 | 97,750 | 105,550 | 113,400 | 121,200 | 129,050 |
| Kiowa County, OK | 50,800 | 58,050 | 65,300 | 72,550 | 78,350 | 84,150 | 89,950 | 95,750 |
| Latimer County, OK | 50,900 | 58,150 | 65,450 | 72,700 | 78,500 | 84,350 | 90,150 | 95,950 |
| Le Flore County, OK | 55,800 | 63,750 | 71,750 | 79,700 | 86,100 | 92,450 | 98,850 | 105,200 |
| Love County, OK | 63,550 | 72,600 | 81,700 | 90,750 | 98,000 | 105,250 | 112,550 | 119,800 |
| Major County, OK | 70,300 | 80,300 | 90,350 | 100,400 | 108,450 | 116,450 | 124,500 | 132,550 |
| Marshall County, OK | 55,250 | 63,100 | 71,000 | 78,900 | 85,200 | 91,500 | 97,850 | 104,150 |
| Mayes County, OK | 61,500 | 70,300 | 79,050 | 87,850 | 94,900 | 101,900 | 108,950 | 115,950 |
| McCurtain County, OK | 56,850 | 64,950 | 73,100 | 81,200 | 87,700 | 94,200 | 100,700 | 107,200 |
| McIntosh County, OK | 49,900 | 57,050 | 64,150 | 71,300 | 77,000 | 82,700 | 88,400 | 94,100 |
| Murray County, OK | 68,250 | 78,000 | 87,750 | 97,500 | 105,300 | 113,100 | 120,900 | 128,700 |
| Muskogee County, OK | 59,650 | 68,150 | 76,700 | 85,200 | 92,000 | 98,850 | 105,650 | 112,450 |
| Noble County, OK | 76,700 | 87,700 | 98,650 | 109,600 | 118,350 | 127,150 | 135,900 | 144,650 |
| Nowata County, OK | 57,100 | 65,250 | 73,400 | 81,550 | 88,050 | 94,600 | 101,100 | 107,650 |
| Okfuskee County, OK | 53,050 | 60,650 | 68,200 | 75,800 | 81,850 | 87,950 | 94,000 | 100,050 |
| Ottawa County, OK | 52,150 | 59,600 | 67,050 | 74,500 | 80,450 | 86,400 | 92,400 | 98,350 |
| Payne County, OK | 74,600 | 85,350 | 95,950 | 106,600 | 115,200 | 123,750 | 132,250 | 140,800 |
| Pittsburg County, OK | 60,800 | 69,500 | 78,150 | 86,850 | 93,800 | 100,750 | 107,700 | 114,650 |
| Pontotoc County, OK | 67,800 | 77,500 | 87,150 | 96,850 | 104,600 | 112,350 | 120,100 | 127,850 |
| Pottawatomie County, OK | 65,750 | 75,150 | 84,550 | 93,950 | 101,500 | 109,000 | 116,500 | 124,050 |
| Pushmataha County, OK | 52,250 | 59,700 | 67,200 | 74,650 | 80,600 | 86,600 | 92,550 | 98,550 |
| Roger Mills County, OK | 63,600 | 72,700 | 81,750 | 90,850 | 98,100 | 105,400 | 112,650 | 119,900 |
| Seminole County, OK | 50,000 | 57,100 | 64,250 | 71,400 | 77,100 | 82,800 | 88,550 | 94,250 |
| Stephens County, OK | 65,750 | 75,150 | 84,550 | 93,950 | 101,450 | 109,000 | 116,500 | 124,000 |
| Texas County, OK | 68,100 | 77,850 | 87,550 | 97,300 | 105,100 | 112,850 | 120,650 | 128,450 |
| Tillman County, OK | 54,100 | 61,850 | 69,550 | 77,300 | 83,500 | 89,650 | 95,850 | 102,050 |
| Washington County, OK | 70,900 | 81,050 | 91,150 | 101,300 | 109,400 | 117,500 | 125,600 | 133,700 |
| Washita County, OK | 62,700 | 71,700 | 80,650 | 89,600 | 96,750 | 103,950 | 111,100 | 118,250 |
| Woods County, OK | 71,900 | 82,150 | 92,450 | 102,700 | 110,900 | 119,150 | 127,350 | 135,550 |
| Woodward County, OK | 66,900 | 76,450 | 86,000 | 95,550 | 103,200 | 110,850 | 118,500 | 126,150 |
From income limit to rent cap
Two rent rules apply under 7 CFR 3565.203. Each unit's rent, counting tenant-paid utilities, can't exceed 30% of 115% of area median income adjusted for family size, which is 30% of the figure in the table for the household size you assume, divided by 12. And across the whole project, the average rent can't exceed 30% of 100% of area median income each year.
Worked example for Enid, OK: the four-person limit is $102,600, so the per-unit cap for a unit sized for four people is $2,565 a month including utilities. The project-average cap uses 100% of median instead of 115%, roughly $2,230 a month at the four-person size. Which household size applies to each bedroom count is set in USDA's program handbook; confirm it with your lender.
Income is tested only at move-in. A tenant whose income later rises above the limit can stay (7 CFR 3565.202(a)). Want to see what those rents support in debt? Run them through the 538 loan sizer.
All 69 Oklahoma areas and every other state in one file: 538 income limits download.