Oregon Conforming Loan Limits for 2022, All Counties

This page shows the 2022 conforming loan limits for Oregon. These limits apply to conventional mortgage loans, meaning those that are not insured or guaranteed by the government. We have a separate page for FHA loan limits in Oregon.

Federal housing officials announced at the end of 2021 that they would increase Oregon conforming loan limits for 2022, in response to rising home values across the state. The table below has been fully updated and shows the revised/increased limits for 2022.

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Conforming Loan Limits for Oregon 2022

The table below shows conforming loan limits for the state of Oregon. These limits apply to conventional mortgage loans in all counties of the state, including Multnomah County and the entire Portland metro area.

COUNTY1 Unit2 Units3 Units4 Units
BAKER$647,200$828,700$1,001,650$1,244,850
BENTON$647,200$828,700$1,001,650$1,244,850
CLACKAMAS$647,200$828,700$1,001,650$1,244,850
CLATSOP$647,200$828,700$1,001,650$1,244,850
COLUMBIA$647,200$828,700$1,001,650$1,244,850
COOS$647,200$828,700$1,001,650$1,244,850
CROOK$647,200$828,700$1,001,650$1,244,850
CURRY$647,200$828,700$1,001,650$1,244,850
DESCHUTES$647,200$828,700$1,001,650$1,244,850
DOUGLAS$647,200$828,700$1,001,650$1,244,850
GILLIAM$647,200$828,700$1,001,650$1,244,850
GRANT$647,200$828,700$1,001,650$1,244,850
HARNEY$647,200$828,700$1,001,650$1,244,850
JACKSON$647,200$828,700$1,001,650$1,244,850
JEFFERSON$647,200$828,700$1,001,650$1,244,850
JOSEPHINE$647,200$828,700$1,001,650$1,244,850
KLAMATH$647,200$828,700$1,001,650$1,244,850
LAKE$647,200$828,700$1,001,650$1,244,850
LANE$647,200$828,700$1,001,650$1,244,850
LINCOLN$647,200$828,700$1,001,650$1,244,850
LINN$647,200$828,700$1,001,650$1,244,850
MALHEUR$647,200$828,700$1,001,650$1,244,850
MARION$647,200$828,700$1,001,650$1,244,850
MORROW$647,200$828,700$1,001,650$1,244,850
MULTNOMAH$647,200$828,700$1,001,650$1,244,850
POLK$647,200$828,700$1,001,650$1,244,850
SHERMAN$647,200$828,700$1,001,650$1,244,850
TILLAMOOK$647,200$828,700$1,001,650$1,244,850
UMATILLA$647,200$828,700$1,001,650$1,244,850
UNION$647,200$828,700$1,001,650$1,244,850
WALLOWA$647,200$828,700$1,001,650$1,244,850
WASCO$647,200$828,700$1,001,650$1,244,850
WASHINGTON$647,200$828,700$1,001,650$1,244,850
HOOD RIVER$647,200$828,700$1,001,650$1,244,850
WHEELER$647,200$828,700$1,001,650$1,244,850
YAMHILL$647,200$828,700$1,001,650$1,244,850

In this table, a “one-unit” property is a single-family home with one resident. “Two-unit” refers to a duplex-style property with two separate residents, and so on. Oregon home buyers who are purchasing a single-family home or condo should refer to the first column.

Check out our mortgage loan limit tool for conventional, FHA, and VA loans.

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How These Limits Are Set

Conforming loan limits are established by the Federal Housing Finance Agency (FHFA) and are based on median home prices. These limits vary by county. In some states, different counties have different limits, to reflect differences in home values. In Oregon, however, all counties have the same conforming loan limit for 2022: $647,200 for a single-family home.

The Housing and Economic Recovery Act of 2008 (HERA) requires the FHFA to monitor home prices across the United States, and to adjust the baseline loan limit as needed to reflect changes in national home values. This can also be done at the county level. So, when home prices in a particular county rise significantly from one year to the next, FHFA officials may increase that county’s loan limits to keep pace with house values.

Conforming limits are usually set at 115% of the median home price for each area, though they can exceed this level in some high-cost areas.

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