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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in OR - Oregon FHA Mortgage

Oregon Mortgages

2024 FHA Loan Limits for Oregon

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Oregon are below.

Select County
County Name One Family Two Family Three Family Four Family
Baker One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Benton One Family$598,000 Two Family$765,550 Three Family$925,350 Four Family$1,150,000
Clackamas One Family$679,650 Two Family$870,050 Three Family$1,051,700 Four Family$1,307,050
Clatsop One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Columbia One Family$679,650 Two Family$870,050 Three Family$1,051,700 Four Family$1,307,050
Coos One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Crook One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Curry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Deschutes One Family$690,000 Two Family$883,300 Three Family$1,067,750 Four Family$1,326,950
Douglas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Gilliam One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grant One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Harney One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hood River One Family$724,500 Two Family$927,500 Three Family$1,121,150 Four Family$1,393,300
Jackson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jefferson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Josephine One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Klamath One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lake One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lane One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lincoln One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Linn One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Malheur One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marion One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Morrow One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Multnomah One Family$679,650 Two Family$870,050 Three Family$1,051,700 Four Family$1,307,050
Polk One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sherman One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Tillamook One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Umatilla One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Union One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wallowa One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wasco One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Washington One Family$679,650 Two Family$870,050 Three Family$1,051,700 Four Family$1,307,050
Wheeler One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Yamhill One Family$679,650 Two Family$870,050 Three Family$1,051,700 Four Family$1,307,050

Mortgage Rates by State

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