Benton County, Oregon Loan Limits for 2026

The FHA loan limit in Benton County is $615,250 for a one-unit home in 2026 (a high-cost area above the national floor), and the conforming limit for Fannie Mae and Freddie Mac loans is $832,750. Anything larger is a jumbo loan. HUD sets the FHA figure for the CORVALLIS, OR area.

2026 limits by number of units

UnitsFHA limitConforming limit
1$615,250$832,750
2$787,650$1,066,250
3$952,050$1,288,800
4$1,183,200$1,601,750

FHA limits effective January 1, 2026 per HUD; conforming limits for mortgages acquired in calendar year 2026 per FHFA. HUD's median price used to set the FHA limit here: $535,000.

What the limit means at the median price

The median Benton County home is worth $481,700. With FHA's 3.5% minimum down payment, the largest FHA loan on that home would be $464,841, within the county limit.

Frequently asked questions

What is the FHA loan limit in Benton County for 2026?

$615,250 for a single-family home, $787,650 for a duplex, $952,050 for a triplex and $1,183,200 for a fourplex, per HUD's county limits file (Mortgagee Letter 2025-23). Benton County is a high-cost area, so its limit sits above the national floor of $541,287.

What is the conforming loan limit in Benton County?

$832,750 for a one-unit home in 2026 ($1,066,250, $1,288,800 and $1,601,750 for 2, 3 and 4 units), per the Federal Housing Finance Agency. Loans above it are jumbo loans.

Does the limit cap the home price?

No. It caps the loan amount. A buyer can purchase a home above the limit by making a larger down payment so the mortgage stays within it.

Sources

Figures are computed from the documents above and rounded to the dollar. All sources.

Loan limits in every Oregon county → Benton County home buyer guide →

General information, not lending advice. Lenders may set their own lower caps.

Benton County overview