Skip to content
Purchase Mortgage Loan
Get Pre-Approved

FHA loans in Pendleton, OR

Quick answer

The 2026 FHA loan limit in Pendleton, OR (Umatilla 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 $276,400 median home value, that down payment is about $9,674 and the estimated payment is $2,235/month at 7.18%, which needs roughly $96,000 a year in income.

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

Median household income: $70,179; value-to-income ratio 3.94. Pendleton ranks 59 by home value and 42 by population among 68 places in our OR dataset.

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

ItemPendleton
Median home value (Census ACS)$276,400
Oregon median home value$454,200
Down payment (3.5%)$9,674
Loan incl. 1.75% upfront MIP$271,394
Estimated monthly payment (PITI + MI)$2,235
Income needed (28% / 36%)$96,000 / $75,000
Umatilla 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 Pendleton?

Pendleton is in Umatilla 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 Pendleton median home value of $276,400 is 39% below the Oregon median, and within what the county limit supports.

Which down payment assistance programs can Pendleton 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

HermistonLa GrandeBaker CityThe DallesPrinevilleOntario

FHA loan FAQs for Pendleton

Pendleton is in Umatilla 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 $276,400 is about $9,674 with a 580+ credit score (10%, or $27,640, with a 500–579 score), plus closing costs.

At the $276,400 median value (below the Oregon median of $454,200), the estimated payment of $2,235/month at 7.18% needs about $96,000 a year under the 28% housing guideline, or $75,000 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.

Get matched with FHA lenders in Pendleton

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

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.