WA mortgage rates

Cowlitz County

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

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Cowlitz 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.

View all Washington counties
Refinance Payment Estimate

Estimate Your Refinance in Cowlitz 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 Cowlitz

A local view of the market.

The real estate market in Cowlitz County, Washington, is currently a seller's market, with the median home price reaching $404,630 as of October 2024. This represents a 2.3% increase compared to the previous year, indicating a steady appreciation in property values. Homes in the county are selling at a median price of $259 per square foot, reflecting a competitive market environment. Cowlitz County is home to several key cities, with Longview being the largest, boasting a population of approximately 38,000 residents. Kelso, another significant city, has around 12,000 residents and serves as the county seat. These cities are central to the county's economic and cultural activities, providing a mix of urban and suburban living options. Living in Cowlitz County offers a blend of rural and suburban lifestyles, with agriculture playing a vital role in the local economy. The county's landscape supports farming and outdoor recreational activities, attracting those seeking a quieter, more rural lifestyle. Additionally, the county's proximity to major urban centers like Portland and Seattle makes it an attractive location for individuals and families looking to relocate for a balance of suburban tranquility and urban accessibility. The top industries in the area include manufacturing, healthcare, and retail trade, contributing to a diverse economic base.

County snapshot

Market context.

WA

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

Market areaLongviewMapped market area
Area code31020CBSA / MSA reference
Featured communityLongviewFrom the county record
Data year2026Aligned with this limit record
Longview
Top cities & communities

Communities to explore.

Longview
Questions & Answers

Refinancing in Cowlitz County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.