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USDA loans in Oregon

Quick answer

USDA loans in Oregon offer 0% down for moderate-income buyers purchasing in eligible rural and suburban areas, with a 1% upfront and 0.35% annual fee.

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

USDA loan snapshot for Oregon

ItemEstimate
Minimum down payment0%
Minimum credit scoreTypically 640 for automated approval
Typical OR home value$454,200
3.5% down on typical home$15,897
20% down on typical home$90,840
Avg. effective property tax0.83%/yr (~$314/mo)
Income for typical home (31% rule)$141,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Oregon programs pair with USDA loans?

  • Oregon Bond Residential Loan: Below-market-rate loans for first-time buyers within limits.
  • Flex Lending: A first mortgage with down payment assistance options.

Details and current limits: Oregon Housing and Community Services (OHCS).

How do I know if a home is USDA eligible?

Use the USDA eligibility map on the Rural Development website. Areas outside major cities — including many fast-growing suburbs and small towns — often qualify. Eligibility is reviewed periodically, so check the specific address.

USDA income limits

Income limits are based on the county and household size, and they count income from all adult household members, not just borrowers. Many areas allow roughly $110,000–$150,000+ for a household of 1–4 people.

USDA loans in Oregon cities

PortlandEugeneSalemGreshamHillsboroBendBeavertonMedfordSpringfieldCorvallisAlbanyTigardAlohaLake OswegoGrants PassKeizerOregon CityRedmondMcMinnvilleBethanyTualatinWest LinnWoodburnForest GroveWilsonvilleNewbergHappy ValleyRoseburgHayesvilleKlamath FallsAshlandMilwaukieSherwoodAltamontCedar MillHermistonCentral PointLebanonCanbyOak GroveDallasPendletonFour CornersTroutdaleThe DallesCoos BaySt. HelensCorneliusLa GrandeSandyOatfieldGladstoneOntarioOak HillsPrinevilleMonmouthWhite CityDamascusCottage GroveFairviewSanta ClaraSilvertonNewportNorth BendBaker CityMolallaAstoriaIndependence

Frequently asked questions

Only in USDA-eligible areas. Many rural and suburban parts of Oregon qualify; check a specific address on the USDA eligibility map.

Often yes. Oregon Housing and Community Services (OHCS) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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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.