2026 limits · 36 counties
Oregon 2026 loan limits for duplexes, triplexes and fourplexes
In Oregon, the 2026 FHA limit for a fourplex runs from $1,041,125 to $1,466,250. 25 of 36 counties sit at the national floor; the highest is Hood River County. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is the baseline $1,601,750 for a fourplex statewide.
Every county in Oregon
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.
| County | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Baker County Baker City, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Benton County high-cost Corvallis, OR | $787,650 | $952,050 | $1,183,200 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clackamas County high-cost Portland-Vancouver-Hillsboro, OR-WA | $898,050 | $1,085,550 | $1,349,050 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clatsop County high-cost Astoria, OR | $721,400 | $872,000 | $1,083,650 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbia County high-cost Portland-Vancouver-Hillsboro, OR-WA | $898,050 | $1,085,550 | $1,349,050 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coos County Coos Bay-North Bend, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crook County high-cost Bend, OR | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Curry County Brookings, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Deschutes County high-cost Bend, OR | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Douglas County Roseburg, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gilliam County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grant County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Harney County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hood River County high-cost Hood River, OR | $976,100 | $1,179,850 | $1,466,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County Medford, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County high-cost Bend, OR | $920,150 | $1,112,250 | $1,382,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Josephine County Grants Pass, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Klamath County Klamath Falls, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lane County Eugene-Springfield, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County Newport, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Linn County Albany, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Malheur County Ontario, OR-ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County Salem, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morrow County Hermiston-Pendleton, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Multnomah County high-cost Portland-Vancouver-Hillsboro, OR-WA | $898,050 | $1,085,550 | $1,349,050 | $1,066,250 | $1,288,800 | $1,601,750 |
| Polk County Salem, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sherman County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tillamook County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Umatilla County Hermiston-Pendleton, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County La Grande, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wallowa County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wasco County The Dalles, OR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County high-cost Portland-Vancouver-Hillsboro, OR-WA | $898,050 | $1,085,550 | $1,349,050 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wheeler County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yamhill County high-cost Portland-Vancouver-Hillsboro, OR-WA | $898,050 | $1,085,550 | $1,349,050 | $1,066,250 | $1,288,800 | $1,601,750 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| 25 counties at the floor | $718,186 | $868,082 | $1,078,886 |
| Hood River County | $1,011,502 | $1,222,642 | $1,519,430 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.
VA and conventional in Oregon
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 in Oregon. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.