OR mortgage rates

Lincoln County

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

Lincoln 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 Lincoln 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 Lincoln

A local view of the market.

Lincoln County, Oregon's real estate market is experiencing a positive trend, with the median listing home price reaching $599,000 as of October 2024, marking a 4.2% increase from the previous year. The median price per square foot is $362, and homes are selling for a median price of $534,600. The top cities in Lincoln County include Lincoln City, Newport, Waldport, and Depoe Bay. Lincoln City has a median home price of $599,000, while Newport's median price is $590,000. Waldport and Depoe Bay have median home prices of $540,000 and $621,700, respectively. Living in Lincoln County offers a mix of rural and suburban experiences, with a strong presence of agriculture and fishing industries. The county's scenic coastal location attracts retirees and those seeking a quieter lifestyle, contributing to a steady influx of new residents. The area's natural beauty and recreational opportunities make it a desirable place for those looking to escape urban environments.

County snapshot

Market context.

OR

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

Market areaNewportMapped market area
Area code35440CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Lincoln County

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

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