WA mortgage rates

Franklin County

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

Franklin 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 Franklin 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 Franklin

A local view of the market.

Franklin County, Washington, has a dynamic real estate market with a median home value of approximately $407,826, reflecting a 1.4% increase over the past year. Homes typically go pending in about 45 days, indicating a relatively active market. The median sale price of homes in the county is around $415,000, with properties selling after an average of 56 days on the market. Pasco is the largest city in Franklin County, with a population of over 77,000 residents. Other notable cities include Connell and Mesa, which contribute to the county's diverse urban landscape. These cities offer a mix of suburban and rural living, catering to a variety of lifestyle preferences. Living in Franklin County provides a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is known for its farming and agricultural industries, which attract individuals seeking a quieter, more rural lifestyle. Additionally, the area's affordable housing and growing job market in sectors like agriculture and manufacturing make it an attractive destination for those looking to relocate.

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 communityPascoFrom the county record
Data year2026Aligned with this limit record
Pasco
Top cities & communities

Communities to explore.

Pasco
Questions & Answers

Refinancing in Franklin County

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

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