WA mortgage rates

Adams County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Adams County, Washington. 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

Adams 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 Adams 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 Adams

A local view of the market.

Adams County, Washington, has a dynamic real estate market characterized by a median home value of approximately $300,159, reflecting a 2.4% increase over the past year. The county is currently a buyer's market, with homes typically staying on the market longer and selling for less than the asking price. The top cities in Adams County include Othello, Ritzville, and Lind. Othello is the largest city, with a population of around 8,000, serving as a central hub for the county. Ritzville, with a population of about 1,700, is known for its historical significance and small-town charm. Lind, although smaller, is notable for its community events and agricultural contributions. Living in Adams County offers a blend of rural and suburban experiences, with a strong emphasis on agriculture. The county's economy is heavily supported by farming and related industries, making it an attractive destination for those seeking a quieter, rural lifestyle with opportunities in agriculture. The real estate market sees migration from urban areas as people look for affordable housing and a slower pace of life.

County snapshot

Market context.

WA

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

Market areaOthelloMapped market area
Area code36830CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Adams County

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

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