FHA Loan Limits in Jackson County, Oregon (2026)
Buying in Jackson County or elsewhere in Jackson County? The 2026 FHA single-family limit across the county is $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 Jackson County — Jackson County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Multnomah and Washington Counties.
FHA affordability around Jackson County
An FHA buyer near Jackson County faces an estimated $470,000 median, a $16,450 down payment, and — after Oregon's 0.93% property tax — a monthly cost around $3,530. That suits household income of roughly $137,000, above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Jackson County
FHA payments across Jackson County price points — from entry homes near Jackson County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $338,000 | $11,830 | $2,572 |
| Local median — $470,000 | $16,450 | $3,530 |
| At the FHA limit — $541,287 | $18,945 | $4,048 |
Estimates include FHA MIP plus Oregon property taxes and insurance. Rates move daily near Jackson County too — get notified.
Buyers across Jackson County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $16,450 down payment near Jackson County into little out of pocket.
Multi-unit FHA limits in Jackson County
Jackson County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Jackson County can live in one unit and rent the rest to offset the mortgage.
FHA Alerts, Free to Your Inbox
We track HUD and FHA so you can move at the right moment — free, no pressure.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Jackson County for 2026?
- In Jackson County (Jackson 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 Jackson County with FHA?
- For a median-priced ($470,000) Jackson County home, plan on income around $137,000 at a 31% housing ratio — about $3,530/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Jackson County?
- 3.5% with a 580+ score — roughly $16,450 on a $470,000 Jackson County-area home. Gift funds are allowed.
- Is Jackson County a high-cost FHA area?
- No — Jackson County uses the $541,287 national floor for one unit.