FHA Loan Limits in Klamath County, Oregon (2026)
From Klamath County, FHA buyers in Klamath 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 Klamath County, from Klamath County outward, and sit alongside the limits set for neighboring Multnomah and Washington Counties.
What can you buy with FHA in Klamath County?
Homes around Klamath County carry an estimated local median near $449,000, so an FHA buyer in Klamath County puts down about $15,715 (3.5%). With Oregon's 0.93% effective property-tax rate, the all-in payment runs near $3,378 a month — comfortable on household income around $131,000, above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Klamath County
Whether you are buying in Klamath County or a smaller Klamath 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 — $323,000 | $11,305 | $2,463 |
| Local median — $449,000 | $15,715 | $3,378 |
| At the FHA limit — $541,287 | $18,945 | $4,048 |
Estimates include FHA MIP plus Oregon property taxes and insurance. Rates move daily near Klamath County too — get notified.
In Klamath County and the surrounding Klamath County market, FHA's appeal is the math: $15,715 down on a $449,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Klamath County
Investors and house-hackers in Klamath County and across Klamath 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 Klamath County for 2026?
- In Klamath County (Klamath 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 Klamath County with FHA?
- For a median-priced ($449,000) Klamath County home, plan on income around $131,000 at a 31% housing ratio — about $3,378/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Klamath County?
- 3.5% with a 580+ score — roughly $15,715 on a $449,000 Klamath County-area home. Gift funds are allowed.
- Is Klamath County a high-cost FHA area?
- No — Klamath County uses the $541,287 national floor for one unit.