FHA Loan Limits in Columbia County, Oregon (2026)
Columbia County and the rest of Columbia 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 |
Every community in Columbia County — Columbia County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Multnomah and Washington Counties.
How much home can you afford in Columbia County?
An FHA buyer near Columbia County faces an estimated $473,000 median, a $16,555 down payment, and — after Oregon's 0.93% property tax — a monthly cost around $3,552. That suits household income of roughly $137,000, above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Columbia County
Here is what an FHA payment looks like at three Columbia County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $341,000 | $11,935 | $2,593 |
| Local median — $473,000 | $16,555 | $3,552 |
| At the FHA limit — $541,287 | $18,945 | $4,048 |
Estimates include FHA MIP plus Oregon property taxes and insurance. Rates move daily near Columbia County too — get notified.
Buyers across Columbia County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $16,555 down payment near Columbia County into little out of pocket.
Multi-unit FHA limits in Columbia County
Looking at a duplex or fourplex near Columbia County? FHA allows up to $692,997 on two units and $1,041,072 on four in Columbia County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Columbia County for 2026?
- In Columbia County (Columbia 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 Columbia County with FHA?
- For a median-priced ($473,000) Columbia County home, plan on income around $137,000 at a 31% housing ratio — about $3,552/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Columbia County?
- 3.5% with a 580+ score — roughly $16,555 on a $473,000 Columbia County-area home. Gift funds are allowed.
- Is Columbia County a high-cost FHA area?
- No — Columbia County uses the $541,287 national floor for one unit.