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FHA loans in Ontario, OR

Quick answer

The 2026 FHA loan limit in Ontario, OR (Malheur County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $217,500 median home value, that down payment is about $7,613 and the estimated payment is $1,777/month at 7.18%, which needs roughly $77,000 a year in income.

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

Median household income: $43,887; value-to-income ratio 4.96. Ontario ranks 68 by home value and 53 by population among 68 places in our OR dataset.

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

ItemOntario
Median home value (Census ACS)$217,500
Oregon median home value$454,200
Down payment (3.5%)$7,613
Loan incl. 1.75% upfront MIP$213,561
Estimated monthly payment (PITI + MI)$1,777
Income needed (28% / 36%)$77,000 / $60,000
Malheur County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

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 Ontario?

Ontario is in Malheur County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Ontario median home value of $217,500 is 52% below the Oregon median, and within what the county limit supports.

Which down payment assistance programs can Ontario 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

Baker CityLa GrandePendletonHermistonPrinevilleRedmond

FHA loan FAQs for Ontario

Ontario is in Malheur County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $217,500 is about $7,613 with a 580+ credit score (10%, or $21,750, with a 500–579 score), plus closing costs.

At the $217,500 median value (below the Oregon median of $454,200), the estimated payment of $1,777/month at 7.18% needs about $77,000 a year under the 28% housing guideline, or $60,000 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.