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FHA loans in West Linn, OR

Quick answer

The 2026 FHA loan limit in West Linn, 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 $733,300 median home value, that down payment is about $25,666 and the estimated payment is $5,792/month at 7.18%, which needs roughly $249,000 a year in income.

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

Median household income: $138,526; value-to-income ratio 5.29. West Linn ranks 3 by home value and 22 by population among 68 places in our OR dataset.

What does an FHA loan cost on a typical West Linn home?

ItemWest Linn
Median home value (Census ACS)$733,300
Oregon median home value$454,200
Down payment (3.5%)$25,666
Loan incl. 1.75% upfront MIP$720,018
Estimated monthly payment (PITI + MI)$5,792
Income needed (28% / 36%)$249,000 / $194,000
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 West Linn?

West Linn 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 West Linn median home value of $733,300 is 61% above the Oregon median, and above what the county limit supports.

Which down payment assistance programs can West Linn 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 West Linn

West Linn 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 $733,300 is about $25,666 with a 580+ credit score (10%, or $73,330, with a 500–579 score), plus closing costs.

At the $733,300 median value (above the Oregon median of $454,200), the estimated payment of $5,792/month at 7.18% needs about $249,000 a year under the 28% housing guideline, or $194,000 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.