FHA Loan Limits in Josephine County, Oregon (2026)
In Josephine County — anchored by Josephine County — the 2026 FHA loan limit for a single-family home 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 |
From Josephine County to the edges of Josephine County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Multnomah and Washington Counties.
Affording a home in Josephine County & Josephine County
With Josephine County's median sale price estimated near $454,000 (think Josephine County), the FHA down payment is roughly $15,890. Factoring Oregon property taxes near 0.93%, expect about $3,414 monthly, pointing to income near $132,000 — above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Josephine County
Whether you are buying in Josephine County or a smaller Josephine 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 — $327,000 | $11,445 | $2,492 |
| Local median — $454,000 | $15,890 | $3,414 |
| At the FHA limit — $541,287 | $18,945 | $4,048 |
Estimates include FHA MIP plus Oregon property taxes and insurance. Rates move daily near Josephine County too — get notified.
First-time buyers make up much of FHA activity in Josephine County and across Josephine County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $15,890 needed on a median Josephine County home.
Multi-unit FHA limits in Josephine County
Investors and house-hackers in Josephine County and across Josephine 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 Josephine County for 2026?
- In Josephine County (Josephine 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 Josephine County with FHA?
- For a median-priced ($454,000) Josephine County home, plan on income around $132,000 at a 31% housing ratio — about $3,414/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Josephine County?
- 3.5% with a 580+ score — roughly $15,890 on a $454,000 Josephine County-area home. Gift funds are allowed.
- Is Josephine County a high-cost FHA area?
- No — Josephine County uses the $541,287 national floor for one unit.