Benton County, Oregon loan limits 2026
FIPS 41003 · 7 ZIP codes, e.g. 97324, 97330, 97331, 97333, 97339, 97370 · metro area (CBSA) 18700
In Benton County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $615,250. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Benton County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $615,250 | +3.3% |
| 2 units | $1,066,250 | $787,650 | +3.3% |
| 3 units | $1,288,800 | $952,050 | +3.3% |
| 4 units | $1,601,750 | $1,183,200 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Benton County is in metro area CBSA 18700; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $125,000 · Corvallis, OR MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $70,000 | $80,000 | $90,000 | $100,000 | $108,000 | $116,000 | $124,000 | $132,000 |
| Very low income (50%) | $43,750 | $50,000 | $56,250 | $62,500 | $67,500 | $72,500 | $77,500 | $82,500 |
| Extremely low income (30%) | $26,250 | $30,000 | $33,750 | $37,500 | $40,500 | $44,360 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,365/mo | $1,200 | +13.8% |
| 1 bedroom | $1,487/mo | $1,290 | +15.3% |
| 2 bedrooms | $1,857/mo | $1,622 | +14.5% |
| 3 bedrooms | $2,571/mo | $2,256 | +14% |
| 4 bedrooms | $3,102/mo | $2,545 | +21.9% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Corvallis, OR MSA.
Other counties in Oregon
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Benton County, OR for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Benton County?
$615,250 for a single-family home in 2026 (HUD), up to $1,183,200 for a four-unit property.
What counts as a jumbo loan in Benton County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Benton County in 2026.
What are the HUD income limits in Benton County?
For a family of four (FY2026): low income $100,000, very low income $62,500, extremely low income $37,500; area median family income $125,000.
What is the fair market rent in Benton County?
$1,857 a month for a two-bedroom unit in FY2027 (HUD), $1,487 for one bedroom.