2026 Conforming Loan Limits by County in Oregon
All 36 Oregon counties use the national baseline of $832,750 for a one-unit home in 2026. Loans above that amount are jumbo loans.
Oregon county limits
| 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 |
What these limits mean
A conforming loan is one that meets Fannie Mae and Freddie Mac's size limit and guidelines, so they can buy it from the lender.
A loan at or below $832,750 for one unit is a standard conforming loan. In a high-cost county, a loan above that up to the county limit is a high-balance conforming loan. Above the county limit, it's a jumbo loan.
Jumbo loans follow each lender's own guidelines and usually need a larger down payment, more cash in reserve and stricter qualifying.
Other states
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.