WA mortgage rates

Benton County

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

Benton 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 Benton 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 Benton

A local view of the market.

The real estate market in Benton County, Washington, is experiencing a stable phase with the median listing home price at $500,000 as of October 2024. This price has remained unchanged from the previous year, indicating a balanced market. Homes in the county are typically listed at $260 per square foot and tend to sell for approximately the asking price, with a median sold price of $445,000. Benton County is home to several prominent cities, including Kennewick, Richland, and West Richland. Kennewick, the largest city, boasts a population of approximately 84,000 residents. Richland follows with around 60,000 residents, and West Richland has about 16,000 people. These cities are key contributors to the county's economic and cultural landscape, offering a mix of suburban and urban living environments. Living in Benton County offers a blend of suburban and rural experiences, with agriculture playing a significant role in the local economy. The region is known for its vineyards and wineries, contributing to its reputation as a wine-producing area. The county's top industries include agriculture, healthcare, and education, attracting new residents seeking employment opportunities and a high quality of life. The migration patterns suggest people are moving to Benton County for its affordable housing, scenic landscapes, and vibrant community 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 areaKennewick-RichlandMapped market area
Area code28420CBSA / MSA reference
Featured communitiesRichland · KennewickFrom the county record
Data year2026Aligned with this limit record
RichlandKennewick
Top cities & communities

Communities to explore.

RichlandKennewick
Questions & Answers

Refinancing in Benton County

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

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