OR mortgage rates

Union County

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

Union 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 Union 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 Union

A local view of the market.

Union County, Oregon, has seen a steady rise in its real estate market, with the median home sold price reaching $310,000 in October 2024, marking a 4.8% increase from the previous year. This growth indicates a seller's market, where homes are selling faster and often above asking prices. The county's largest city is La Grande, with a population of approximately 13,004. Other notable cities include Union, with a population of 2,150, Elgin with 1,714 residents, and Island City, home to 1,141 people. Union County offers a mix of rural and suburban living, with a strong emphasis on agriculture and forestry as key industries. The area is known for its scenic landscapes and outdoor recreational opportunities, attracting those seeking a quieter, rural lifestyle. The county's economy benefits from its agricultural roots, and many are drawn to the region for its affordable real estate and the appeal of a close-knit community.

County snapshot

Market context.

OR

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

Market areaLa GrandeMapped market area
Area code29260CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Union County

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

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