FHA Loan Limits in Polk County, Oregon (2026)
Polk County and the rest of Polk 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 |
Every community in Polk County — Polk County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Multnomah and Washington Counties.
How much home can you afford in Polk County?
With Polk County's median sale price estimated near $430,000 (think Polk County), the FHA down payment is roughly $15,050. Factoring Oregon property taxes near 0.93%, expect about $3,240 monthly, pointing to income near $125,000 — above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Polk County
Here is what an FHA payment looks like at three Polk County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $310,000 | $10,850 | $2,368 |
| Local median — $430,000 | $15,050 | $3,240 |
| At the FHA limit — $541,287 | $18,945 | $4,048 |
Estimates include FHA MIP plus Oregon property taxes and insurance. Rates move daily near Polk County too — get notified.
Buyers across Polk County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $15,050 down payment near Polk County into little out of pocket.
Multi-unit FHA limits in Polk County
Looking at a duplex or fourplex near Polk County? FHA allows up to $692,997 on two units and $1,041,072 on four in Polk 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 Polk County for 2026?
- In Polk County (Polk 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 Polk County with FHA?
- For a median-priced ($430,000) Polk County home, plan on income around $125,000 at a 31% housing ratio — about $3,240/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Polk County?
- 3.5% with a 580+ score — roughly $15,050 on a $430,000 Polk County-area home. Gift funds are allowed.
- Is Polk County a high-cost FHA area?
- No — Polk County uses the $541,287 national floor for one unit.