FHA Loan Limits in Deschutes County, Oregon (2026)
From Deschutes County, FHA buyers in Deschutes 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 |
These 2026 limits apply throughout Deschutes County, from Deschutes County outward, and sit alongside the limits set for neighboring Multnomah and Washington Counties.
What can you buy with FHA in Deschutes County?
With Deschutes County's median sale price estimated near $640,000 (think Deschutes County), the FHA down payment is roughly $18,945. Factoring Oregon property taxes near 0.93%, expect about $4,048 monthly, pointing to income near $157,000 — above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Deschutes County
Here is what an FHA payment looks like at three Deschutes County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $461,000 | $16,135 | $3,465 |
| 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 Deschutes County too — get notified.
In Deschutes County and the surrounding Deschutes 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 Deschutes County
Looking at a duplex or fourplex near Deschutes County? FHA allows up to $692,997 on two units and $1,041,072 on four in Deschutes 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 Deschutes County for 2026?
- In Deschutes County (Deschutes 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 Deschutes County with FHA?
- For a median-priced ($541,287) Deschutes 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 Deschutes County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Deschutes County-area home. Gift funds are allowed.
- Is Deschutes County a high-cost FHA area?
- No — Deschutes County uses the $541,287 national floor for one unit.