WA mortgage rates

Douglas County

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

Douglas 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$586,500
2 units$750,800
3 units$907,550
4 units$1,127,900

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 Douglas 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 Douglas

A local view of the market.

Douglas County, Washington, has seen a significant increase in its real estate market, with home prices rising by 18.1% over the past year. As of September 2024, the median sale price for homes in the county is approximately $538,000. This growth reflects a robust demand in the housing market, with homes typically selling after 39 days on the market. The county includes several notable cities, with East Wenatchee being the largest, boasting a population of around 14,000 residents. Other key cities include Bridgeport and Waterville, each contributing to the county's diverse community landscape. These cities offer a mix of suburban and small-town living, attracting residents seeking a balance between urban amenities and rural charm. Douglas County is characterized by its blend of rural and suburban environments, with agriculture playing a significant role in the local economy. The region is known for its apple orchards and vineyards, supporting a thriving agricultural industry. Many people are drawn to Douglas County for its scenic landscapes and outdoor recreational opportunities, as well as its relatively affordable housing compared to larger urban areas. This migration trend is driven by those seeking a quieter lifestyle while still being within reach of urban conveniences.

County snapshot

Market context.

WA

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

Market areaWenatcheeMapped market area
Area code48300CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Douglas County

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

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