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Today's Mortgage Rates in Oregon

Get a Lower rate in Oregon whether you're buying, looking to get cash out of your home or lower your monthly mortgage payment.

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OR Mortgage Rate Insights

  • The 30-Year Conventional Mortgage rate is 6.250%.
  • The 30-Year Conventional Refinance rate is 6.490%.
  • Rates are current as of August 12, 2026.

Current Oregon Mortgage Rates

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Mortgage Rates Trend in Oregon

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Interest Rates in Oregon

Oregon mortgage interest rates follow national lending markets rather than rates set by state borders. Your credit profile, loan structure, property details and other application factors can affect the pricing offered to you.

A mortgage quote for a home in Portland can differ from one for a property in rural Oregon when the borrower, property or loan details change.

When comparing lenders, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

Oregon homeowners considering a refinance can review Oregon refinance rates alongside their current rate, loan term and refinance costs.

Types of Mortgages Available in Oregon

Oregonians buying a home can choose among several mortgage structures, while the amount borrowed determines whether conventional financing stays within Oregon's statewide conforming limit.

  • A conventional fixed-rate mortgage keeps the same interest rate for the full loan term.

  • FHA loans in Oregon follow separate borrower and property requirements. FHA loan limits are set separately from conforming limits and are published county by county.

  • Eligible borrowers can compare Oregon VA loan rates. VA financing follows its own borrower and property requirements.

  • USDA loans combine borrower qualification with property eligibility and may apply when you are buying in an eligible rural part of Oregon.

  • An adjustable-rate mortgage can change after its initial rate period according to the loan terms.

  • A jumbo loan finances an amount above the applicable conforming limit. Oregon uses one statewide one-unit threshold for 2026.

Buyers entering the market for the first time can compare first-time homebuyer loan options in Oregon.

Mortgage insurance treatment varies by loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in Oregon

All 36 counties in Oregon use the same $832,750 one-unit conforming loan limit for 2026. The Federal Housing Finance Agency, or FHFA, sets conforming loan limits annually.

A one-unit mortgage above $832,750 falls into the jumbo category anywhere in Oregon. The threshold applies to the amount borrowed rather than the home's purchase price.

Buyers borrowing above $832,750 can compare Oregon jumbo loan rates. Because the same one-unit limit applies across all 36 counties, there is no county-level conforming table to check.

These are 2026 limits for one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by county and property size.

FHA financing uses a separate county-level limit system. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements.

Oregon Mortgage Payment Examples By Rate

Oregon's payment examples extend to an $800,000 mortgage, which remains below the statewide $832,750 one-unit conforming limit that applies across all 36 counties for 2026. The table shows principal-and-interest payments across the supplied loan amounts and rates. Use the Oregon mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount 5.50% 5.75% 6.00% 6.25% 6.50%
$800,000 $4,542 $4,669 $4,796 $4,926 $5,057
$700,000 $3,975 $4,085 $4,197 $4,310 $4,424
$600,000 $3,407 $3,501 $3,597 $3,694 $3,792
$500,000 $2,839 $2,918 $2,998 $3,079 $3,160
$400,000 $2,271 $2,334 $2,398 $2,463 $2,528
$300,000 $1,703 $1,751 $1,799 $1,847 $1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

Oregon Mortgage FAQs

Are there homebuyer assistance programs in Oregon?

Oregon Housing and Community Services provides information about available homebuyer programs, eligibility and application requirements.

What is the conforming loan limit in Oregon for 2026?

Every county in Oregon uses a 2026 one-unit conforming loan limit of $832,750. A one-unit mortgage above $832,750 falls into the jumbo category statewide.

How can I get a lower mortgage rate?

Your credit profile, debt load and down payment can affect the pricing offered to you. Compare mortgage offers using APR as well as the interest rate. Temporary rate buydowns and seller concessions can also affect the cost or payment structure of a transaction. Compare the complete terms of the offers you receive.

How will property taxes and insurance in Oregon
affect my mortgage payment?

Property taxes and homeowners insurance are usually collected monthly when your mortgage uses an escrow account. The lender holds those amounts until the bills are due, so the full monthly payment exceeds principal and interest alone. Review escrow requirements by loan type and property taxes by state and county when estimating these costs.

Loan Officers in Oregon

Doug Jacobson

Doug Jacobson

Branch Manager, VP of Lending

NMLS ID# 114256

John Belli

John Belli

Branch Manager, VP

NMLS ID# 254976

All Loan Officers in Oregon

Find Out Why Oregonians Love Lower

Don't take our word for it. We've got 50,000 five-star reviews and counting. Read what real customers have to say.
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5.0

Stephanie was available anytime to answer any questions & make sure that we understand every step of the process.

Mercedes R.

Verified Customer

July 22, 2026

5.0

We had an outstanding experience working with TJ throughout our home loan process. From start to finish, she was incredibly communicative, encouraging, and always made us feel like a priority. She took the time to answer every question, kept us informed every step of the way, and made what could have been a stressful process feel smooth and manageable. Her dedication, professionalism, and genuine care for her clients truly set her apart. We are so grateful for everything she did to help us secure our loan and would highly recommend TJ to anyone looking for a knowledgeable and trustworthy lender!

Brittany H.

Verified Customer

July 28, 2026

5.0

Mrs. Donna is absolutely da bestest! We have turned to her several times for our mortgage needs, questions and needed information... she has always been there, always give straight forward, honest thoughts and opinions for us to make the best decisions for us, not for her or the company/companies she works on behalf of! That in this world is worth its weight in anything!! My wife and I will continue to put our trust in her as long as we own property and she is in her position anywhere she goes. Henry and Jodi Jameson

Jodi J.

Verified Customer

August 11, 2026

5.0

Taylor Fruge made my mortgage process outstanding. She was knowledgeable, patient, and extremely responsive from start to finish. She clearly explained every step, answered all my questions, and proactively kept me updated while moving everything forward efficiently. Her professionalism and genuine care made what can be a stressful experience feel smooth and easy — I highly recommend Taylor to anyone looking to purchase their dream home!!!

Joseph B.

Verified Customer

June 10, 2026

5.0

Great service and advice

Kurt S.

Verified Customer

July 28, 2026

5.0

Marc answered all of our questions, and provided clear steps and expectations. We've used Marc before and would use him again for any future purchases. He was great and the process went smoothly.

Edlira B.

Verified Customer

June 6, 2026

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