FHA Loan Limits in Linn County, Oregon (2026)
In Linn County — anchored by Linn 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 Linn County to the edges of Linn County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Multnomah and Washington Counties.
Affording a home in Linn County & Linn County
Homes around Linn County carry an estimated local median near $575,000, so an FHA buyer in Linn County puts down about $18,945 (3.5%). With Oregon's 0.93% effective property-tax rate, the all-in payment runs near $4,048 a month — comfortable on household income around $157,000, above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Linn County
FHA payments across Linn County price points — from entry homes near Linn County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $414,000 | $14,490 | $3,124 |
| 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 Linn County too — get notified.
First-time buyers make up much of FHA activity in Linn County and across Linn County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,945 needed on a median Linn County home.
Multi-unit FHA limits in Linn County
Linn County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Linn County can live in one unit and rent the rest to offset the mortgage.
Your Free FHA Early-Warning System
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 Linn County for 2026?
- In Linn County (Linn 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 Linn County with FHA?
- For a median-priced ($541,287) Linn 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 Linn County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Linn County-area home. Gift funds are allowed.
- Is Linn County a high-cost FHA area?
- No — Linn County uses the $541,287 national floor for one unit.