OR mortgage rates

Clackamas County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Clackamas 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

Clackamas 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$701,500
2 units$898,050
3 units$1,085,550
4 units$1,349,050

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

About Clackamas

A local view of the market.

The real estate market in Clackamas County, Oregon, is experiencing modest growth, with the average home value at $613,353, marking a 0.9% increase over the past year. Homes in the area typically go pending in about 20 days, reflecting a relatively active market. Clackamas County is home to several prominent cities, including Lake Oswego, with a population of around 40,000, and Oregon City, which serves as the county seat with approximately 37,000 residents. These cities are known for their vibrant communities and access to natural beauty, making them attractive places to live. Living in Clackamas County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's top industries include manufacturing, healthcare, and retail trade. Many people are drawn to Clackamas County for its quality of life, including its scenic landscapes and proximity to Portland, which provides both suburban comforts and rural tranquility.

County snapshot

Market context.

OR

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

Market areaPortland-Vancouver-HillsboroMapped market area
Area code38900CBSA / MSA reference
Featured communitiesWest Linn · Milwaukie · Happy ValleyFrom the county record
Data year2026Aligned with this limit record
West LinnMilwaukieHappy Valley
Top cities & communities

Communities to explore.

West LinnMilwaukieHappy ValleyLake OswegoWilsonvilleOregon
Questions & Answers

Refinancing in Clackamas County

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

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