OR mortgage rates

Deschutes County

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

Deschutes 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$718,750
2 units$920,150
3 units$1,112,250
4 units$1,382,250

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 Deschutes 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 Deschutes

A local view of the market.

Deschutes County, Oregon, has experienced a significant increase in real estate values, with the median home list price reaching $725,000 in October 2024, marking a 21.7% rise from the previous year. This growth reflects the county's desirability and the limited housing supply, which has seen a slight increase in available homes for sale. The county is home to several prominent cities, including Bend, Redmond, and Sisters. Bend, the largest city, boasts a population of approximately 100,000 residents and is known for its vibrant outdoor lifestyle and cultural amenities. Redmond, with around 36,000 residents, serves as a central hub for transportation and commerce in the region, while Sisters, a smaller community of about 3,000 people, offers a quaint, small-town atmosphere with a strong arts scene. Living in Deschutes County provides a mix of rural and suburban experiences. The area is renowned for its outdoor recreational opportunities, including hiking, skiing, and fishing, which attract both tourists and new residents. The economy is bolstered by industries such as tourism, healthcare, and technology. The county has seen an influx of people relocating from urban areas, drawn by the quality of life, natural beauty, and a growing job market, making it a popular destination for those seeking a balance between work and leisure.

County snapshot

Market context.

OR

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

Market areaBendMapped market area
Area code13460CBSA / MSA reference
Featured communitiesRedmond · BendFrom the county record
Data year2026Aligned with this limit record
RedmondBend
Top cities & communities

Communities to explore.

RedmondBend
Questions & Answers

Refinancing in Deschutes County

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

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