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FHA loans in Cedar Mill, OR

Quick answer

The 2026 FHA loan limit in Cedar Mill, 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 $839,200 median home value, that down payment is about $29,372 and the estimated payment is $6,617/month at 7.18%, which needs roughly $284,000 a year in income.

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

Median household income: $167,037; value-to-income ratio 5.02. Cedar Mill ranks 2 by home value and 35 by population among 68 places in our OR dataset.

What does an FHA loan cost on a typical Cedar Mill home?

ItemCedar Mill
Median home value (Census ACS)$839,200
Oregon median home value$454,200
Down payment (3.5%)$29,372
Loan incl. 1.75% upfront MIP$824,000
Estimated monthly payment (PITI + MI)$6,617
Income needed (28% / 36%)$284,000 / $221,000
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 Cedar Mill?

Cedar Mill 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 Cedar Mill median home value of $839,200 is 85% above the Oregon median, and above what the county limit supports.

Which down payment assistance programs can Cedar Mill 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 Cedar Mill

Cedar Mill 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 $839,200 is about $29,372 with a 580+ credit score (10%, or $83,920, with a 500–579 score), plus closing costs.

At the $839,200 median value (above the Oregon median of $454,200), the estimated payment of $6,617/month at 7.18% needs about $284,000 a year under the 28% housing guideline, or $221,000 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.