OR mortgage rates

Linn County

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

Linn 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 Linn 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 Linn

A local view of the market.

Linn County, Oregon, has a dynamic real estate market characterized by a median home value of approximately $407,914, reflecting a 2.7% increase over the past year. The market remains competitive, with homes typically going to pending status in about 19 days. The median sold price in October 2024 was $414,100, marking a 5.4% rise from the previous year. The top cities in Linn County include Albany, Lebanon, and Sweet Home. Albany, the largest city, has a population of around 56,000, serving as a central hub for commerce and culture. Lebanon follows with a population of about 18,000, known for its community events and proximity to natural attractions. Sweet Home, with a population of approximately 9,000, offers a small-town feel with access to outdoor activities. Linn County offers a blend of rural and suburban living, with agriculture playing a significant role in its economy. The county is known for its farming and timber industries, attracting those seeking a quieter lifestyle away from urban centers. Migration patterns indicate that people are moving to Linn County for its affordable housing, natural beauty, and employment opportunities in agriculture and manufacturing. The county's mix of suburban amenities and rural landscapes makes it an appealing destination for families and retirees alike.

County snapshot

Market context.

OR

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

Market areaAlbany-LebanonMapped market area
Area code10540CBSA / MSA reference
Featured communityAlbanyFrom the county record
Data year2026Aligned with this limit record
Albany
Top cities & communities

Communities to explore.

Albany
Questions & Answers

Refinancing in Linn County

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

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