Deschutes County, Oregon has a 2026 one-unit conforming loan limit of $832,750, which is 1.3 times the county's median home value of $650,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $92,758 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $650,900 |
| Oregon median home value | $477,600 |
| Limit ÷ median home value | 1.28× |
| Median household income | $92,758 |
| Median home value ÷ income | 7.0× |
| Population | 206,334 |
| Median property tax paid (owners) | $3,807 |
| Effective property tax rate (approx.) | 0.58% |
| Owner-occupied homes | 70.0% |
| Home value rank in Oregon | 2 of 36 counties |
| Neighbor: Crook County, OR | limit $832,750; median home $467,000 |
| Neighbor: Harney County, OR | limit $832,750; median home $242,100 |
| Neighbor: Jefferson County, OR | limit $832,750; median home $374,200 |
| Neighbor: Klamath County, OR | limit $832,750; median home $280,400 |
| Neighbor: Lake County, OR | limit $832,750; median home $219,500 |
| Neighbor: Lane County, OR | limit $832,750; median home $430,600 |
| Neighbor: Linn County, OR | limit $832,750; median home $376,400 |
Across Oregon's 36 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Deschutes County's median home value is 36% above the state median of $477,600 (rank 2 of 36). Among its 7 neighboring counties, Crook County has the highest median home value ($467,000) and Lake County the lowest ($219,500); all share the same loan limit. Owners pay a median $3,807 a year in property tax, an effective rate of about 0.58% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
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Last updated 2026-10-16. Data only, not financial or tax advice.