FHA Loan Limits in Clackamas County, Oregon (2026)
Clackamas County and the rest of Clackamas County, Oregon fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the Pacific Northwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Clackamas County, from Clackamas County outward, and sit alongside the limits set for neighboring Multnomah and Washington Counties.
How much home can you afford in Clackamas County?
An FHA buyer near Clackamas County faces an estimated $610,000 median, a $18,945 down payment, and — after Oregon's 0.93% property tax — a monthly cost around $4,048. That suits household income of roughly $157,000, above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Clackamas County
Whether you are buying in Clackamas County or a smaller Clackamas County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $439,000 | $15,365 | $3,305 |
| Local median — $541,287 | $18,945 | $4,048 |
| At the FHA limit — $541,287 | $18,945 | $4,048 |
Estimates include FHA MIP plus Oregon property taxes and insurance. Rates move daily near Clackamas County too — get notified.
In Clackamas County and the surrounding Clackamas County market, FHA's appeal is the math: $18,945 down on a $541,287 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Clackamas County
Investors and house-hackers in Clackamas County and across Clackamas County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Clackamas County for 2026?
- In Clackamas County (Clackamas County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Clackamas County with FHA?
- For a median-priced ($541,287) Clackamas County home, plan on income around $157,000 at a 31% housing ratio — about $4,048/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Clackamas County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Clackamas County-area home. Gift funds are allowed.
- Is Clackamas County a high-cost FHA area?
- No — Clackamas County uses the $541,287 national floor for one unit.