OR mortgage rates

Clatsop County

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

Clatsop 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$563,500
2 units$721,400
3 units$872,000
4 units$1,083,650

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 Clatsop 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 Clatsop

A local view of the market.

The real estate market in Clatsop County, Oregon, is currently experiencing a stable phase with a median home sold price of $542,800 as of October 2024. This represents a slight decrease of 0.7% from the previous year. The median price per square foot is $347, indicating a balanced market where prices remain reasonable and homes typically stay on the market for an average duration. Clatsop County is home to several notable cities, including Astoria, Seaside, and Warrenton. Astoria, with a population of approximately 10,000, is known for its historic charm and vibrant arts scene. Seaside, a popular coastal city with around 7,000 residents, attracts tourists and locals alike with its scenic beaches and family-friendly attractions. Warrenton, with a population of about 5,000, offers a mix of residential and commercial areas, making it a hub for local businesses. Living in Clatsop County offers a blend of rural and suburban lifestyles, with opportunities for both farming and suburban living. The county's economy is supported by industries such as tourism, fishing, and timber, which attract new residents seeking a quieter lifestyle away from urban centers. The natural beauty and recreational opportunities, including hiking and beach activities, make Clatsop County an appealing destination for those looking to relocate for a more relaxed pace of life.

County snapshot

Market context.

OR

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

Market areaAstoriaMapped market area
Area code11820CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Clatsop County

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