How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

2025 FHA Loan Limits in Oregon

Updated on:

We are committed to providing accurate content that helps you make informed money decisions. Our partners have not commissioned or endorsed this content. Read our .

Loans backed by the Federal Housing Administration (known as FHA loans) offer some unique benefits, including low credit score requirements and competitive interest rates. However, they also have loan limits that may be lower than conforming loans. Most Oregon counties are subject to the lowest FHA loan limit of $524,225, but a handful of counties have slightly higher limits to account for their higher cost of living.

Oregon FHA loan limits by county

County name	One unit	Two units	Three units	Four units	Median sales price
BAKER	$524,225	$671,200	$811,275	$1,008,300	$266,000
BENTON	$598,000	$765,550	$925,350	$1,150,000	$517,000
CLACKAMAS	$695,750	$890,700	$1,076,650	$1,338,000	$605,000
CLATSOP	$561,200	$718,450	$868,400	$1,079,250	$488,000
COLUMBIA	$695,750	$890,700	$1,076,650	$1,338,000	$605,000
COOS	$524,225	$671,200	$811,275	$1,008,300	$315,000
CROOK	$524,225	$671,200	$811,275	$1,008,300	$391,000
CURRY	$524,225	$671,200	$811,275	$1,008,300	$410,000
DESCHUTES	$713,000	$912,750	$1,103,350	$1,371,150	$620,000
DOUGLAS	$524,225	$671,200	$811,275	$1,008,300	$300,000
GILLIAM	$524,225	$671,200	$811,275	$1,008,300	$200,000
GRANT	$524,225	$671,200	$811,275	$1,008,300	$195,000
HARNEY	$524,225	$671,200	$811,275	$1,008,300	$180,000
HOOD RIVER	$762,450	$976,100	$1,179,850	$1,466,250	$663,000
JACKSON	$524,225	$671,200	$811,275	$1,008,300	$405,000
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300	$365,000
JOSEPHINE	$524,225	$671,200	$811,275	$1,008,300	$369,000
KLAMATH	$524,225	$671,200	$811,275	$1,008,300	$240,000
LAKE	$524,225	$671,200	$811,275	$1,008,300	$160,000
LANE	$524,225	$671,200	$811,275	$1,008,300	$429,000
LINCOLN	$524,225	$671,200	$811,275	$1,008,300	$396,000
LINN	$524,225	$671,200	$811,275	$1,008,300	$380,000
MALHEUR	$524,225	$671,200	$811,275	$1,008,300	$333,000
MARION	$524,225	$671,200	$811,275	$1,008,300	$429,000
MORROW	$524,225	$671,200	$811,275	$1,008,300	$300,000
MULTNOMAH	$695,750	$890,700	$1,076,650	$1,338,000	$605,000
POLK	$524,225	$671,200	$811,275	$1,008,300	$429,000
SHERMAN	$524,225	$671,200	$811,275	$1,008,300	$260,000
TILLAMOOK	$524,225	$671,200	$811,275	$1,008,300	$380,000
UMATILLA	$524,225	$671,200	$811,275	$1,008,300	$300,000
UNION	$524,225	$671,200	$811,275	$1,008,300	$261,000
WALLOWA	$524,225	$671,200	$811,275	$1,008,300	$300,000
WASCO	$524,225	$671,200	$811,275	$1,008,300	$346,000
WASHINGTON	$695,750	$890,700	$1,076,650	$1,338,000	$605,000
WHEELER	$524,225	$671,200	$811,275	$1,008,300	$196,000
YAMHILL	$695,750	$890,700	$1,076,650	$1,338,000	$605,000

How are FHA loan limits determined?

FHA loan limits are set each year and vary by metropolitan statistical area (MSA) and county. In accordance with the National Housing Act (NHA), FHA loans are based on the median home price and are set at a percentage of the conforming loan limits set by the Federal Housing Finance Agency (FHFA).

For low-cost areas, which include most counties in Oregon, the limit is set at 65% of the conforming loan limit. The conforming loan limit for 2025 is $806,500, while the lowest FHA loan limit is $524,225. The limit for high-cost areas is set at 150% of the conforming loan limit. The 2025 FHA limit for these high-cost areas is $1,290,750 for 2025. Alaska, Hawaii, Guam and the U.S. Virgin Islands are designated as special exception areas with higher limits of $1,814,625 for a single-family home in 2025.

These low-cost and high-cost loan limits are known as the “floor” and “ceiling” limits, respectively. Many counties across the U.S., including in Oregon, fall between these two numbers. For example, Hood River County in Oregon has a single-family FHA loan limit of $762,450 for 2025.

How to qualify for an FHA loan in Oregon

The process of applying for an FHA loan is similar to that of applying for any other type of mortgage. The FHA loan requirements are a bit different, however, and, in some cases, more lenient than the requirements for conventional loans. Here are a few things your lender will look for when you apply:

Credit score and down payment: The FHA requires a credit score of at least 580 for borrowers with a minimum 3.5% down payment. If you put down 10%, you may qualify with a credit score as low as 500.
Debt-to-income ratio: You’ll need a debt-to-income (DTI) ratio of no more than 43% in most cases. You may qualify with a higher DTI if certain compensating factors are present, such as having a large down payment or cash reserves.
Income history: While the FHA doesn’t have any formal income history requirement, you’ll typically need at least two years of income to qualify for an FHA loan, especially if you’re self-employed or qualifying with bonus or overtime pay.
Mortgage insurance: You’ll pay two forms of mortgage insurance premiums (MIP) on your FHA loan: upfront MIP and annual MIP. Upfront MIP is 1.75% of the loan amount, while the annual MIP ranges from 0.80% to 1.05% for 30-year loans. Annual MIP applies for either 11 years or the duration of the loan.
Appraisal: All FHA loans require a home appraisal to verify the home’s value and to ensure it meets the FHA’s minimum property standards.
Occupancy: You can only use an FHA loan to buy a home if you or your co-borrower (or both) plan to live in the home for at least one year, starting within 60 days of closing.

Buying a multifamily property with an FHA loan

In addition to single-family homes, FHA loans may also be used to buy multifamily homes with two, three or four units. Many people use multifamily properties as a way to live in one unit while renting out the others in a strategy known as house hacking.

FHA loan limits are higher for multifamily homes than for single-family homes. The table below breaks down the “floor” limit in low-cost areas for homes with two, three or four units. However, limits are higher in certain parts of Oregon.