OR mortgage rates

Douglas County

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

Douglas 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 Douglas 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 Douglas

A local view of the market.

Douglas County, Oregon, has a dynamic real estate market with an average home value of $337,431, reflecting a 1.2% increase over the past year. Homes in this area typically go to pending status in about 20 days, indicating a relatively brisk market pace. The top cities in Douglas County include Roseburg, which serves as the county seat and has a population of approximately 23,000, and Sutherlin, with around 8,000 residents. These cities are central hubs for commerce and community life within the county, offering a blend of urban amenities and small-town charm. Douglas County is characterized by its rural and suburban landscapes, with a strong presence of agriculture and forestry industries. The county's economy benefits from these sectors, attracting individuals and families seeking a quieter, more rural lifestyle. Migration patterns often include people moving from urban areas in search of affordable housing and a closer connection to nature.

County snapshot

Market context.

OR

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

Market areaRoseburgMapped market area
Area code40700CBSA / MSA reference
Featured communityRoseburgFrom the county record
Data year2026Aligned with this limit record
Roseburg
Top cities & communities

Communities to explore.

Roseburg
Questions & Answers

Refinancing in Douglas County

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

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