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FHA loans in Aloha, OR

Quick answer

The 2026 FHA loan limit in Aloha, OR (Washington County) is $701,500 for a single-family home, enough for a purchase price up to about $726,000 with 3.5% down. On the $465,500 median home value, that down payment is about $16,293 and the estimated payment is $3,707/month at 7.18%, which needs roughly $159,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $96,754; value-to-income ratio 4.81. Aloha ranks 23 by home value and 13 by population among 68 places in our OR dataset.

What does an FHA loan cost on a typical Aloha home?

ItemAloha
Median home value (Census ACS)$465,500
Oregon median home value$454,200
Down payment (3.5%)$16,293
Loan incl. 1.75% upfront MIP$457,069
Estimated monthly payment (PITI + MI)$3,707
Income needed (28% / 36%)$159,000 / $124,000
Washington County 2026 FHA limit (1 unit)$701,500
Max purchase price at the limit$726,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Oregon's 0.83% effective property tax rate (Census ACS), $1,003/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Aloha?

Aloha is in Washington County where HUD's 2026 one-unit FHA limit is $701,500. With the minimum 3.5% down, that caps the purchase price at about $726,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Aloha median home value of $465,500 is 2% above the Oregon median, and within what the county limit supports.

Which down payment assistance programs can Aloha buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

FHA loans in nearby cities

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FHA loan FAQs for Aloha

Aloha is in Washington County, where HUD's 2026 FHA limit for a one-unit home is $701,500. With 3.5% down, that supports a purchase price up to about $726,000.

3.5% of $465,500 is about $16,293 with a 580+ credit score (10%, or $46,550, with a 500–579 score), plus closing costs.

At the $465,500 median value (close to the Oregon median of $454,200), the estimated payment of $3,707/month at 7.18% needs about $159,000 a year under the 28% housing guideline, or $124,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.