OR mortgage rates

Benton County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Benton County, Oregon. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Benton County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$615,250
2 units$787,650
3 units$952,050
4 units$1,183,200

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Benton County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Benton

A local view of the market.

The real estate market in Benton County, Oregon, has seen some fluctuations in 2024. The median home sale price is approximately $505,000, reflecting a decrease of about 9.82% compared to the previous year. However, the average home value is reported to be around $538,379, showing a slight increase of 1.1% over the past year. Benton County includes several notable cities, with Corvallis being the largest, boasting a population of approximately 59,922 residents. Philomath is another key city, with a smaller population of around 5,000. These cities contribute significantly to the county's demographic and economic landscape, offering a mix of urban and suburban living environments. Living in Benton County offers a blend of rural and suburban experiences. The county is known for its agricultural activities, with farming playing a crucial role in the local economy. Suburban life is prominent in areas like Corvallis, which also hosts Oregon State University, a major employer and educational hub. The county attracts new residents due to its educational opportunities, scenic landscapes, and a balanced lifestyle that combines the tranquility of rural settings with the conveniences of suburban living.

County snapshot

Market context.

OR

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaCorvallisMapped market area
Area code18700CBSA / MSA reference
Featured communityCorvallisFrom the county record
Data year2026Aligned with this limit record
Corvallis
Top cities & communities

Communities to explore.

Corvallis
Questions & Answers

Refinancing in Benton County

Common questions about 2026 loan limits and refinancing opportunities in Oregon.

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