OR mortgage rates

Gilliam County

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

Gilliam 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 Gilliam 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 Gilliam

A local view of the market.

The real estate market in Gilliam County, Oregon, has seen a modest increase in home values over the past year. The average home value in the county is approximately $234,027, reflecting a 4.5% rise. This indicates a stable market with gradual appreciation, making it an attractive option for potential homebuyers looking for affordable housing options. Gilliam County is home to a few small cities, with Condon being the county seat. Condon has a population of around 700 residents, offering a tight-knit community atmosphere. Another notable city is Arlington, which has a population of approximately 600 people. These cities provide a glimpse into the rural lifestyle that characterizes much of the county. Living in Gilliam County offers a predominantly rural experience, with agriculture being a significant industry. The county's landscape is dotted with farms and ranches, contributing to its agricultural economy. Many residents are drawn to the area for its quiet, rural lifestyle and the opportunity to engage in farming or related industries. Additionally, the county's affordability and open spaces attract those looking to escape urban environments for a more serene and spacious living situation.

Questions & Answers

Refinancing in Gilliam County

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

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