FHA Loan Limits in Multnomah County, Oregon (2026)
Buying in Multnomah County or elsewhere in Multnomah 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 Multnomah County — Multnomah County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Washington and Clackamas Counties.
FHA affordability around Multnomah County
An FHA buyer near Multnomah County faces an estimated $520,000 median, a $18,200 down payment, and — after Oregon's 0.93% property tax — a monthly cost around $3,893. That suits household income of roughly $151,000, above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Multnomah County
Whether you are buying in Multnomah County or a smaller Multnomah 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 — $374,000 | $13,090 | $2,833 |
| Local median — $520,000 | $18,200 | $3,893 |
| At the FHA limit — $541,287 | $18,945 | $4,048 |
Estimates include FHA MIP plus Oregon property taxes and insurance. Rates move daily near Multnomah County too — get notified.
Buyers across Multnomah County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,200 down payment near Multnomah County into little out of pocket.
Multi-unit FHA limits in Multnomah County
Investors and house-hackers in Multnomah County and across Multnomah 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 Multnomah County for 2026?
- In Multnomah County (Multnomah 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 Multnomah County with FHA?
- For a median-priced ($520,000) Multnomah County home, plan on income around $151,000 at a 31% housing ratio — about $3,893/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Multnomah County?
- 3.5% with a 580+ score — roughly $18,200 on a $520,000 Multnomah County-area home. Gift funds are allowed.
- Is Multnomah County a high-cost FHA area?
- No — Multnomah County uses the $541,287 national floor for one unit.