OR mortgage rates

Lane County

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

Lane 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 Lane 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 Lane

A local view of the market.

Lane County, Oregon's real estate market is experiencing modest growth, with the average home value at $449,940, reflecting a 0.2% increase over the past year. Homes in this area typically go to pending status in about 23 days, indicating a relatively brisk market pace. The county's largest city, Eugene, has a population of approximately 176,000 and is known for its vibrant arts scene and the University of Oregon. Springfield, another significant city, has around 62,000 residents and offers a mix of suburban and industrial environments. Both cities contribute significantly to the county's economic and cultural landscape. Lane County offers a diverse living environment, ranging from rural agricultural areas to suburban neighborhoods. The county's economy is supported by industries such as education, healthcare, and manufacturing. Many people are drawn to Lane County for its natural beauty, outdoor recreational opportunities, and a balanced lifestyle that combines the tranquility of rural life with the conveniences of suburban living.

County snapshot

Market context.

OR

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

Market areaEugene-SpringfieldMapped market area
Area code21660CBSA / MSA reference
Featured communitiesEugene · SpringfieldFrom the county record
Data year2026Aligned with this limit record
EugeneSpringfield
Top cities & communities

Communities to explore.

EugeneSpringfield
Questions & Answers

Refinancing in Lane County

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

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