FHA Loan Limits in Wasco County, Oregon (2026)
In Wasco County — anchored by Wasco 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 |
Every community in Wasco County — Wasco County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Multnomah and Washington Counties.
Affording a home in Wasco County & Wasco County
An FHA buyer near Wasco County faces an estimated $430,000 median, a $15,050 down payment, and — after Oregon's 0.93% property tax — a monthly cost around $3,240. That suits household income of roughly $125,000, above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Wasco County
Whether you are buying in Wasco County or a smaller Wasco 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 — $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 Wasco County too — get notified.
Buyers across Wasco County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $15,050 down payment near Wasco County into little out of pocket.
Multi-unit FHA limits in Wasco County
Investors and house-hackers in Wasco County and across Wasco 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 Wasco County for 2026?
- In Wasco County (Wasco 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 Wasco County with FHA?
- For a median-priced ($430,000) Wasco 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 Wasco County?
- 3.5% with a 580+ score — roughly $15,050 on a $430,000 Wasco County-area home. Gift funds are allowed.
- Is Wasco County a high-cost FHA area?
- No — Wasco County uses the $541,287 national floor for one unit.