WA mortgage rates

Garfield County

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

Garfield 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 Garfield 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 Garfield

A local view of the market.

Garfield County, Washington, has seen a notable shift in its real estate market. As of October 2024, the median home list price is $232,000, reflecting a 16.6% increase from the previous year. The average home value in the county is approximately $230,406, marking a 1.3% rise over the past year. This upward trend in home values indicates a growing demand in the area. The county's largest city, Pomeroy, serves as the county seat and is home to a population of around 1,400 residents. Pomeroy is known for its small-town charm and serves as a central hub for the county's activities. Other smaller communities, such as Pataha, contribute to the county's rural landscape, though they have significantly smaller populations. Living in Garfield County offers a predominantly rural lifestyle, with agriculture playing a significant role in the local economy. The county's landscape is characterized by rolling hills and farmland, supporting industries such as wheat farming and cattle ranching. This agricultural focus attracts individuals and families seeking a quieter, more rural lifestyle, away from the hustle and bustle of urban centers. The county's natural beauty and open spaces are appealing to those looking to relocate for a more serene environment.

Questions & Answers

Refinancing in Garfield County

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

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