FHA Loan Limits in Marion County, Oregon (2026)
Marion County and the rest of Marion County, Oregon fall under a 2026 one-unit FHA limit of $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 |
These 2026 limits apply throughout Marion County, from Marion County outward, and sit alongside the limits set for neighboring Multnomah and Washington Counties.
How much home can you afford in Marion County?
An FHA buyer near Marion County faces an estimated $460,000 median, a $16,100 down payment, and — after Oregon's 0.93% property tax — a monthly cost around $3,458. That suits household income of roughly $134,000, above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Marion County
Here is what an FHA payment looks like at three Marion County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $331,000 | $11,585 | $2,521 |
| Local median — $460,000 | $16,100 | $3,458 |
| At the FHA limit — $541,287 | $18,945 | $4,048 |
Estimates include FHA MIP plus Oregon property taxes and insurance. Rates move daily near Marion County too — get notified.
In Marion County and the surrounding Marion County market, FHA's appeal is the math: $16,100 down on a $460,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Marion County
Looking at a duplex or fourplex near Marion County? FHA allows up to $692,997 on two units and $1,041,072 on four in Marion 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 Marion County for 2026?
- In Marion County (Marion 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 Marion County with FHA?
- For a median-priced ($460,000) Marion County home, plan on income around $134,000 at a 31% housing ratio — about $3,458/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Marion County?
- 3.5% with a 580+ score — roughly $16,100 on a $460,000 Marion County-area home. Gift funds are allowed.
- Is Marion County a high-cost FHA area?
- No — Marion County uses the $541,287 national floor for one unit.