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FHA loans in Oregon City, OR

Quick answer

The 2026 FHA loan limit in Oregon City, OR (Clackamas 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 $531,400 median home value, that down payment is about $18,599 and the estimated payment is $4,220/month at 7.18%, which needs roughly $181,000 a year in income.

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

Median household income: $94,648; value-to-income ratio 5.61. Oregon City ranks 16 by home value and 17 by population among 68 places in our OR dataset.

What does an FHA loan cost on a typical Oregon City home?

ItemOregon City
Median home value (Census ACS)$531,400
Oregon median home value$454,200
Down payment (3.5%)$18,599
Loan incl. 1.75% upfront MIP$521,775
Estimated monthly payment (PITI + MI)$4,220
Income needed (28% / 36%)$181,000 / $141,000
Clackamas 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 Oregon City?

Oregon City is in Clackamas 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 Oregon City median home value of $531,400 is 17% above the Oregon median, and within what the county limit supports.

Which down payment assistance programs can Oregon City 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 Oregon City

Oregon City is in Clackamas 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 $531,400 is about $18,599 with a 580+ credit score (10%, or $53,140, with a 500–579 score), plus closing costs.

At the $531,400 median value (above the Oregon median of $454,200), the estimated payment of $4,220/month at 7.18% needs about $181,000 a year under the 28% housing guideline, or $141,000 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.