2026 conforming loan limits · Oregon
All 36 counties in Oregon use the same one-unit conforming limit of $832,750.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Oregon at a glance
| Metric | Value |
|---|---|
| Counties | 36 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $832,750 |
| Distinct one-unit limits | 1 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 0 of 36 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county in Oregon carries the same one-unit limit, so there is no high-cost ranking to show.
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Baker County | BAKER CITY, OR | $832,750 | $541,287 | $291,463 |
| Benton County | CORVALLIS, OR | $832,750 | $615,250 | $217,500 |
| Clackamas County | PORTLAND-VANCOUVER-HILLSBORO, OR-WA | $832,750 | $701,500 | $131,250 |
| Clatsop County | ASTORIA, OR | $832,750 | $563,500 | $269,250 |
| Columbia County | PORTLAND-VANCOUVER-HILLSBORO, OR-WA | $832,750 | $701,500 | $131,250 |
| Coos County | COOS BAY-NORTH BEND, OR | $832,750 | $541,287 | $291,463 |
| Crook County | BEND, OR | $832,750 | $718,750 | $114,000 |
| Curry County | BROOKINGS, OR | $832,750 | $541,287 | $291,463 |
| Deschutes County | BEND, OR | $832,750 | $718,750 | $114,000 |
| Douglas County | ROSEBURG, OR | $832,750 | $541,287 | $291,463 |
| Gilliam County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Grant County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Harney County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hood River County | HOOD RIVER, OR | $832,750 | $762,450 | $70,300 |
| Jackson County | MEDFORD, OR | $832,750 | $541,287 | $291,463 |
| Jefferson County | BEND, OR | $832,750 | $718,750 | $114,000 |
| Josephine County | GRANTS PASS, OR | $832,750 | $541,287 | $291,463 |
| Klamath County | KLAMATH FALLS, OR | $832,750 | $541,287 | $291,463 |
| Lake County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lane County | EUGENE-SPRINGFIELD, OR | $832,750 | $541,287 | $291,463 |
| Lincoln County | NEWPORT, OR | $832,750 | $541,287 | $291,463 |
| Linn County | ALBANY, OR | $832,750 | $541,287 | $291,463 |
| Malheur County | ONTARIO, OR-ID | $832,750 | $541,287 | $291,463 |
| Marion County | SALEM, OR | $832,750 | $541,287 | $291,463 |
| Morrow County | HERMISTON-PENDLETON, OR | $832,750 | $541,287 | $291,463 |
| Multnomah County | PORTLAND-VANCOUVER-HILLSBORO, OR-WA | $832,750 | $701,500 | $131,250 |
| Polk County | SALEM, OR | $832,750 | $541,287 | $291,463 |
| Sherman County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Tillamook County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Umatilla County | HERMISTON-PENDLETON, OR | $832,750 | $541,287 | $291,463 |
| Union County | LA GRANDE, OR | $832,750 | $541,287 | $291,463 |
| Wallowa County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Wasco County | THE DALLES, OR | $832,750 | $541,287 | $291,463 |
| Washington County | PORTLAND-VANCOUVER-HILLSBORO, OR-WA | $832,750 | $701,500 | $131,250 |
| Wheeler County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Yamhill County | PORTLAND-VANCOUVER-HILLSBORO, OR-WA | $832,750 | $701,500 | $131,250 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Baker County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Benton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clackamas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clatsop County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coos County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crook County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Curry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Deschutes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Douglas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gilliam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grant County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Harney County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hood River County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Josephine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Klamath County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lane County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Linn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Malheur County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morrow County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Multnomah County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Polk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sherman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tillamook County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Umatilla County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wallowa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wasco County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wheeler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yamhill County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)