FHA Loan Limits in Umatilla County, Oregon (2026)
Buying in Umatilla County or elsewhere in Umatilla 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 Umatilla County — Umatilla County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Multnomah and Washington Counties.
FHA affordability around Umatilla County
Homes around Umatilla County carry an estimated local median near $439,000, so an FHA buyer in Umatilla County puts down about $15,365 (3.5%). With Oregon's 0.93% effective property-tax rate, the all-in payment runs near $3,305 a month — comfortable on household income around $128,000, above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Umatilla County
Whether you are buying in Umatilla County or a smaller Umatilla 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 — $316,000 | $11,060 | $2,412 |
| Local median — $439,000 | $15,365 | $3,305 |
| At the FHA limit — $541,287 | $18,945 | $4,048 |
Estimates include FHA MIP plus Oregon property taxes and insurance. Rates move daily near Umatilla County too — get notified.
Buyers across Umatilla County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $15,365 down payment near Umatilla County into little out of pocket.
Multi-unit FHA limits in Umatilla County
Investors and house-hackers in Umatilla County and across Umatilla 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.
Never Miss an FHA Rate Change
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 Umatilla County for 2026?
- In Umatilla County (Umatilla 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 Umatilla County with FHA?
- For a median-priced ($439,000) Umatilla County home, plan on income around $128,000 at a 31% housing ratio — about $3,305/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Umatilla County?
- 3.5% with a 580+ score — roughly $15,365 on a $439,000 Umatilla County-area home. Gift funds are allowed.
- Is Umatilla County a high-cost FHA area?
- No — Umatilla County uses the $541,287 national floor for one unit.