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Current FHA Mortgage Rates in OR - Oregon FHA Mortgage

Oregon Mortgages

2025 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 2025 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$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Benton One Family$598,000 Two Family$765,550 Three Family$925,350 Four Family$1,150,000
Clackamas One Family$695,750 Two Family$890,700 Three Family$1,076,650 Four Family$1,338,000
Clatsop One Family$561,200 Two Family$718,450 Three Family$868,400 Four Family$1,079,250
Columbia One Family$695,750 Two Family$890,700 Three Family$1,076,650 Four Family$1,338,000
Coos One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Crook One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Curry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Deschutes One Family$713,000 Two Family$912,750 Three Family$1,103,350 Four Family$1,371,150
Douglas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Gilliam One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grant One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Harney One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hood River One Family$762,450 Two Family$976,100 Three Family$1,179,850 Four Family$1,466,250
Jackson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jefferson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Josephine One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Klamath One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lake One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lane One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lincoln One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Linn One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Malheur One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marion One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Morrow One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Multnomah One Family$695,750 Two Family$890,700 Three Family$1,076,650 Four Family$1,338,000
Polk One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sherman One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tillamook One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Umatilla One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Union One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wallowa One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wasco One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Washington One Family$695,750 Two Family$890,700 Three Family$1,076,650 Four Family$1,338,000
Wheeler One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Yamhill One Family$695,750 Two Family$890,700 Three Family$1,076,650 Four Family$1,338,000

Mortgage Rates by State

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