FHA Loan Limits in Clatsop County, Oregon (2026)
From Clatsop County, FHA buyers in Clatsop County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 |
From Clatsop County to the edges of Clatsop County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Multnomah and Washington Counties.
What can you buy with FHA in Clatsop County?
Homes around Clatsop County carry an estimated local median near $517,000, so an FHA buyer in Clatsop County puts down about $18,095 (3.5%). With Oregon's 0.93% effective property-tax rate, the all-in payment runs near $3,872 a month — comfortable on household income around $150,000, above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Clatsop County
Whether you are buying in Clatsop County or a smaller Clatsop 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 — $372,000 | $13,020 | $2,818 |
| Local median — $517,000 | $18,095 | $3,872 |
| At the FHA limit — $541,287 | $18,945 | $4,048 |
Estimates include FHA MIP plus Oregon property taxes and insurance. Rates move daily near Clatsop County too — get notified.
First-time buyers make up much of FHA activity in Clatsop County and across Clatsop County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,095 needed on a median Clatsop County home.
Multi-unit FHA limits in Clatsop County
Investors and house-hackers in Clatsop County and across Clatsop 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 Clatsop County for 2026?
- In Clatsop County (Clatsop 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 Clatsop County with FHA?
- For a median-priced ($517,000) Clatsop County home, plan on income around $150,000 at a 31% housing ratio — about $3,872/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Clatsop County?
- 3.5% with a 580+ score — roughly $18,095 on a $517,000 Clatsop County-area home. Gift funds are allowed.
- Is Clatsop County a high-cost FHA area?
- No — Clatsop County uses the $541,287 national floor for one unit.