FHA Loan Limits in Oregon (2026)
For 2026, the FHA loan limit in most Oregon counties is $541,287 for a single-family home. Oregon has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Oregon
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Multnomah County | $541,287 | $692,997 | $1,041,072 | Standard |
| Washington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Clackamas County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lane County | $541,287 | $692,997 | $1,041,072 | Standard |
| Marion County | $541,287 | $692,997 | $1,041,072 | Standard |
| Linn County | $541,287 | $692,997 | $1,041,072 | Standard |
| Douglas County | $541,287 | $692,997 | $1,041,072 | Standard |
| Yamhill County | $541,287 | $692,997 | $1,041,072 | Standard |
| Benton County | $541,287 | $692,997 | $1,041,072 | Standard |
| Polk County | $541,287 | $692,997 | $1,041,072 | Standard |
| Josephine County | $541,287 | $692,997 | $1,041,072 | Standard |
| Klamath County | $541,287 | $692,997 | $1,041,072 | Standard |
| Columbia County | $541,287 | $692,997 | $1,041,072 | Standard |
| Umatilla County | $541,287 | $692,997 | $1,041,072 | Standard |
| Coos County | $541,287 | $692,997 | $1,041,072 | Standard |
| Clatsop County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lincoln County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wasco County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jackson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Deschutes County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Oregon
FHA loans are popular with first-time buyers in Oregon because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Oregon for 2026?
- Most Oregon counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Oregon?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.