Benton County, OR
Benton County 2026 loan limits. $832,750
The 2026 conforming loan limit for Benton County is $832,750 for a single-family home — here's exactly what that means for your purchase.
What is the 2026 conforming loan limit in Benton County, OR?
For a one-unit home in Benton County, the 2026 conforming loan limit is $832,750 — the national baseline that applies across most of the country. A loan at or below $832,750 can typically be financed as a conventional conforming loan; borrowing above that figure generally means moving into jumbo territory, which carries its own underwriting guidelines. FHA's 2026 limit here is lower, at $615,250. Exact eligibility depends on your full file — verify your scenario with a broker.
Benton County by unit count.
Benton County, Oregon is a baseline county for 2026 conforming loan limits. It uses the $832,750 national baseline that applies to most U.S. counties. Figures per the FHFA 2026 conforming loan limit list; verify your scenario with us.
FHA sets its own 2026 limit for Benton County: $615,250 for a single-family home — below the conforming figure above, which is normal; FHA and conforming limits come from separate formulas. Per HUD's 2026 FHA county limits.
Conforming, jumbo, or FHA?
Buying at or below $832,750 in Benton County keeps you in conventional conforming territory — generally the widest lender pool and the most competitive pricing. Cross above that number and you're shopping jumbo financing instead, which is common and workable, just governed by its own down payment and reserve guidelines. If a smaller down payment matters more than loan size, the FHA limit here is $615,250 — worth comparing against a conventional loan for the same purchase.
Benton County loan limits: common questions
What's the 2026 conforming loan limit for a single-family home in Benton County, OR?
$832,750 for one unit, per FHFA's 2026 county loan limit list. Benton County uses the $832,750 national baseline.
What are the 2026 conforming limits for 2-4 unit properties in Benton County?
Two-unit: $1,066,250. Three-unit: $1,288,800. Four-unit: $1,601,750. All per FHFA's 2026 county loan limit list.
What's the FHA loan limit in Benton County for 2026?
$615,250 for a single-family home, per HUD's 2026 county limits. That's below the $832,750 conforming limit — a normal gap; FHA and conventional conforming limits are set by separate formulas.
Is Benton County, OR a high-cost area for mortgage purposes?
No. Benton County uses the standard $832,750 national conforming baseline for 2026, not a high-cost adjustment.
What if I need to borrow more than the conforming limit in Benton County?
A loan above $832,750 in Benton County is a jumbo loan — it's a normal, common path for higher-priced purchases, just with its own down payment, credit, and reserve guidelines. We shop jumbo lenders the same way we shop conforming ones.
Conforming limits per the FHFA 2026 conforming loan limit list · FHA limits per HUD's 2026 county limits. General education, not a loan offer or a commitment to lend — every scenario differs. Choice Home Mortgage · NMLS #2629064 · CA DRE #01822046.
Ready to buy in Benton County?
Tell us your target price against the $832,750 limit — we'll tell you honestly whether you're conforming, high-balance, or jumbo, and shop lenders accordingly.