WA mortgage rates

Grant County

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

Grant 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 Grant 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 Grant

A local view of the market.

The real estate market in Grant County, Washington, is currently experiencing a buyer's market, with a median home sold price of $340,000 as of October 2024. This represents a slight increase of 1.2% from the previous year. The median price per square foot is $231, indicating a stable market environment where homes tend to stay on the market longer, offering potential buyers more negotiating power. Grant County is home to several notable cities, including Moses Lake, which is the largest city with a population of approximately 25,000 residents. Ephrata, the county seat, has a population of around 8,000, while Quincy and Soap Lake have populations of about 7,000 and 1,500, respectively. These cities offer a mix of suburban and rural living, catering to diverse lifestyle preferences. Living in Grant County offers a blend of rural and suburban experiences, with agriculture being a significant industry, particularly in farming and food processing. The county's economy is also supported by manufacturing and retail trade. The area attracts new residents due to its affordable housing, scenic landscapes, and opportunities for outdoor recreation. People are drawn to Grant County for its quieter lifestyle compared to urban centers, making it an appealing choice for those seeking a balance between work and leisure.

County snapshot

Market context.

WA

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

Market areaMoses LakeMapped market area
Area code34180CBSA / MSA reference
Featured communityMoses LakeFrom the county record
Data year2026Aligned with this limit record
Moses Lake
Top cities & communities

Communities to explore.

Moses Lake
Questions & Answers

Refinancing in Grant County

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

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