FHA Loan Limits in Yamhill County, Oregon (2026)
Yamhill County and the rest of Yamhill 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 |
From Yamhill County to the edges of Yamhill County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Multnomah and Washington Counties.
How much home can you afford in Yamhill County?
With Yamhill County's median sale price estimated near $435,000 (think Yamhill County), the FHA down payment is roughly $15,225. Factoring Oregon property taxes near 0.93%, expect about $3,276 monthly, pointing to income near $127,000 — above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Yamhill County
Here is what an FHA payment looks like at three Yamhill County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $313,000 | $10,955 | $2,390 |
| Local median — $435,000 | $15,225 | $3,276 |
| At the FHA limit — $541,287 | $18,945 | $4,048 |
Estimates include FHA MIP plus Oregon property taxes and insurance. Rates move daily near Yamhill County too — get notified.
First-time buyers make up much of FHA activity in Yamhill County and across Yamhill County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $15,225 needed on a median Yamhill County home.
Multi-unit FHA limits in Yamhill County
Looking at a duplex or fourplex near Yamhill County? FHA allows up to $692,997 on two units and $1,041,072 on four in Yamhill County, with the same low 3.5% down for owner-occupants.
Stay Ahead of FHA Rule Changes
Free to join in under 30 seconds. Get notified when it is time to act.
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 Yamhill County for 2026?
- In Yamhill County (Yamhill 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 Yamhill County with FHA?
- For a median-priced ($435,000) Yamhill County home, plan on income around $127,000 at a 31% housing ratio — about $3,276/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Yamhill County?
- 3.5% with a 580+ score — roughly $15,225 on a $435,000 Yamhill County-area home. Gift funds are allowed.
- Is Yamhill County a high-cost FHA area?
- No — Yamhill County uses the $541,287 national floor for one unit.