Matt Boytz
May 15, 2025
2025 Income Limits Just Expanded – Big Changes for First-Time Buyers in Central Oregon
Hot off the press- The new Conventional loan special homebuyer program income limits are about to be released, and we have them here first. Additionally, something really unique has just happened. Crook County and Jefferson County are now part of the Bend Area MSA. This means they share the same income limits as Deschutes County. Why does this matter? These limits are used to determine eligibility for special pricing on conventional loans, especially for first-time buyers and even some repeat buyers purchasing manufactured homes or using HomeReady and similar programs.
Check out how much the income limits jumped:
- Crook County: $91,000 → $114,000
- Jefferson County: $81,000 → $114,000
That’s a massive increase. $23,000 for Crook and $33,000 for Jefferson. This opens the door to better affordability and access to loan products that were previously out of reach for many buyers in those areas.
What These Limits Mean
These numbers (called AMI or Area Median Income) are used to determine eligibility for special affordable conventional loan programs like HomeReady and Home Possible. These programs offer reduced interest rates, discounted mortgage insurance, and more flexible qualifying guidelines.
We specifically look at 80% and 100% of AMI to see if borrowers qualify for these benefits. It’s also important to note that this is qualifying income, not household income. That means we can often leave out things like a spouse’s income, bonuses, or overtime to help you qualify.
Not Just Central Oregon
There are income limits for every county across Oregon, and we service the entire state. Whether you’re buying in the valley, on the coast, or out in eastern Oregon, we can help you figure out where you land and what options are available based on your income.
We’ve included a full breakdown of the new 2025 AMI limits across all Oregon counties below, the” green column”2025 AMI Column” is the new 100% Limits for FTHB and manufactured home special pricing, The “80% AMI Column” is for HomeReady and HomePossible Affordable programs :
2025 AMI Limits for Fannie Mae and Freddie Mac
| County | 2025 AMI | 80% AMI | 2024 AMI | AMI Increase |
|---|---|---|---|---|
| Baker | $86,000.00 | $68,800.00 | $80,900.00 | $5,100.00 |
| Benton | $126,300.00 | $101,040.00 | $109,800.00 | $16,500.00 |
| Clackamas | $124,100.00 | $99,280.00 | $116,900.00 | $7,200.00 |
| Clatsop | $96,400.00 | $77,120.00 | $92,300.00 | $4,100.00 |
| Columbia | $124,100.00 | $99,280.00 | $116,900.00 | $7,200.00 |
| Coos | $83,100.00 | $66,480.00 | $80,900.00 | $2,200.00 |
| Crook | $114,000.00 | $91,200.00 | $91,000.00 | $23,000.00 |
| Curry | $81,400.00 | $65,120.00 | $80,900.00 | $500.00 |
| Deschutes | $114,000.00 | $91,200.00 | $105,100.00 | $8,900.00 |
| Douglas | $83,600.00 | $66,880.00 | $80,900.00 | $2,700.00 |
| Gilliam | $82,800.00 | $66,240.00 | $80,900.00 | $1,900.00 |
| Grant | $81,400.00 | $65,120.00 | $80,900.00 | $500.00 |
| Harney | $81,400.00 | $65,120.00 | $80,900.00 | $500.00 |
| Hood River | $113,400.00 | $90,720.00 | $104,200.00 | $9,200.00 |
| Jackson | $92,400.00 | $73,920.00 | $87,800.00 | $4,600.00 |
| Jefferson | $114,000.00 | $91,200.00 | $81,000.00 | $33,000.00 |
| Josephine | $84,800.00 | $67,840.00 | $76,000.00 | $8,800.00 |
| Klamath | $81,400.00 | $65,120.00 | $80,900.00 | $500.00 |
| Lake | $89,000.00 | $71,200.00 | $80,900.00 | $8,100.00 |
| Lane | $91,700.00 | $73,360.00 | $89,100.00 | $2,600.00 |
| Lincoln | $82,600.00 | $66,080.00 | $80,900.00 | $1,700.00 |
| Linn | $99,000.00 | $79,200.00 | $84,900.00 | $14,100.00 |
| Malheur | $81,400.00 | $65,120.00 | $80,900.00 | $500.00 |
| Marion | $92,600.00 | $74,080.00 | $91,300.00 | $1,300.00 |
| Morrow | $85,900.00 | $68,720.00 | $80,900.00 | $5,000.00 |
| Multnomah | $124,100.00 | $99,280.00 | $116,900.00 | $7,200.00 |
| Polk | $92,600.00 | $74,080.00 | $91,300.00 | $1,300.00 |
| Sherman | $83,700.00 | $66,960.00 | $80,900.00 | $2,800.00 |
| Tillamook | $83,500.00 | $66,800.00 | $80,900.00 | $2,600.00 |
| Umatilla | $81,400.00 | $65,120.00 | $97,100.00 | ($15,700.00) |
| Union | $82,800.00 | $66,240.00 | $80,900.00 | $1,900.00 |
| Wallowa | $84,500.00 | $67,600.00 | $80,900.00 | $3,600.00 |
| Wasco | $86,500.00 | $69,200.00 | $83,300.00 | $3,200.00 |
| Washington | $124,100.00 | $99,280.00 | $116,900.00 | $7,200.00 |
| Wheeler | $81,400.00 | $65,120.00 | $80,900.00 | $500.00 |
| Yamhill | $124,100.00 | $99,280.00 | $116,900.00 | $7,200.00 |
Have questions or want to know where you fit in? Reach out anytime and we’ll walk you through it. This expansion in affordability could be the thing that gets you in the door.
Apply online at mattboytz.zipforhome.com, call or text me at 541-359-7212, or email me at Matt@BendMortgageBrokers.com.
Matt Boytz
Direct: 541-359-7212
Office: 541-972-8616
NMLS 1294957
NMLS 2552455
Matt@BendMortgageBrokers.com
Apply Now!
www.BendMortgageBrokers.com