OR mortgage rates

Coos County

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

Coos 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$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

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 Coos 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 Coos

A local view of the market.

The real estate market in Coos County, Oregon, is experiencing growth, with the median listing home price reaching $419,500 as of October 2024, reflecting a 4.9% increase from the previous year. The median home sold price is slightly lower at $302,000, indicating a balanced market where supply and demand are relatively equal. Coos County comprises several cities, with Coos Bay being the largest, known for its population and economic activity. Bandon, another notable city, is recognized for its scenic beauty and higher median home prices. North Bend and Coquille are also significant cities, contributing to the county's diverse urban landscape. Living in Coos County offers a mix of rural and suburban experiences, with a strong presence of agriculture and forestry industries. The county's natural beauty and outdoor recreational opportunities attract people seeking a quieter, more nature-oriented lifestyle. Migration patterns suggest that individuals are moving to Coos County for its affordable housing and quality of life, away from the hustle of larger urban centers.

County snapshot

Market context.

OR

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

Market areaCoos BayMapped market area
Area code18300CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Coos County

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

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