What are the loan limits in each Oregon county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Baker County | $832,750 | $541,287 | $693,050 | $247,700 |
| Benton County | $832,750 | $615,250 | $787,650 | $481,700 |
| Clackamas County | $832,750 | $701,500 | $898,050 | $577,900 |
| Clatsop County | $832,750 | $563,500 | $721,400 | $437,800 |
| Columbia County | $832,750 | $701,500 | $898,050 | $390,600 |
| Coos County | $832,750 | $541,287 | $693,050 | $302,800 |
| Crook County | $832,750 | $718,750 | $920,150 | $423,300 |
| Curry County | $832,750 | $541,287 | $693,050 | $366,700 |
| Deschutes County | $832,750 | $718,750 | $920,150 | $596,000 |
| Douglas County | $832,750 | $541,287 | $693,050 | $283,200 |
| Gilliam County | $832,750 | $541,287 | $693,050 | $158,400 |
| Grant County | $832,750 | $541,287 | $693,050 | $225,100 |
| Harney County | $832,750 | $541,287 | $693,050 | $190,600 |
| Hood River County | $832,750 | $762,450 | $976,100 | $571,200 |
| Jackson County | $832,750 | $541,287 | $693,050 | $400,200 |
| Jefferson County | $832,750 | $718,750 | $920,150 | $339,200 |
| Josephine County | $832,750 | $541,287 | $693,050 | $383,100 |
| Klamath County | $832,750 | $541,287 | $693,050 | $255,700 |
| Lake County | $832,750 | $541,287 | $693,050 | $219,400 |
| Lane County | $832,750 | $541,287 | $693,050 | $395,800 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $387,700 |
| Linn County | $832,750 | $541,287 | $693,050 | $344,600 |
| Malheur County | $832,750 | $541,287 | $693,050 | $221,300 |
| Marion County | $832,750 | $541,287 | $693,050 | $383,300 |
| Morrow County | $832,750 | $541,287 | $693,050 | $229,800 |
| Multnomah County | $832,750 | $701,500 | $898,050 | $528,000 |
| Polk County | $832,750 | $541,287 | $693,050 | $419,500 |
| Sherman County | $832,750 | $541,287 | $693,050 | $206,700 |
| Tillamook County | $832,750 | $541,287 | $693,050 | $408,600 |
| Umatilla County | $832,750 | $541,287 | $693,050 | $256,100 |
| Union County | $832,750 | $541,287 | $693,050 | $260,500 |
| Wallowa County | $832,750 | $541,287 | $693,050 | $371,900 |
| Wasco County | $832,750 | $541,287 | $693,050 | $332,500 |
| Washington County | $832,750 | $701,500 | $898,050 | $558,500 |
| Wheeler County | $832,750 | $541,287 | $693,050 | $259,000 |
| Yamhill County | $832,750 | $701,500 | $898,050 | $442,700 |
Which Oregon counties are high-cost areas?
No Oregon county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Oregon
Frequently asked questions
FHA one-unit limits in Oregon start at $541,287. In Multnomah County, the most populous county, it's $701,500.
The 2026 one-unit conforming limit in Multnomah County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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