WA mortgage rates

King County

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

King County

Conforming Loan Limits

Per property
1 unit$1,063,750
2 units$1,361,800
3 units$1,646,100
4 units$2,045,700

FHA Loan Limits

Per property
1 unit$1,063,750
2 units$1,361,800
3 units$1,646,100
4 units$2,045,700

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 King 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About King

A local view of the market.

The real estate market in King County, Washington, is characterized by a robust housing sector with a median home value of approximately $847,324, reflecting a 4.6% increase over the past year. Homes in the county typically go to pending status in around 12 days, indicating a competitive market. King County is home to several prominent cities, including Seattle, Bellevue, and Kent. Seattle, the largest city, has a population of over 750,000, known for its vibrant cultural scene and tech industry. Bellevue, with a population of around 150,000, is recognized for its strong economy and high quality of life. Kent, with a population of approximately 130,000, offers a mix of industrial and residential areas. Living in King County offers a diverse experience, ranging from urban environments in cities like Seattle to suburban and rural settings in other parts of the county. The county's economy is driven by top industries such as technology, aerospace, and healthcare. The area attracts new residents due to its strong job market, educational opportunities, and scenic beauty, contributing to ongoing real estate migration patterns.

County snapshot

Market context.

WA

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

Market areaSeattle-Tacoma-BellevueMapped market area
Area code42660CBSA / MSA reference
Featured communitiesKirkland · Federal Way · SammamishFrom the county record
Data year2026Aligned with this limit record
KirklandFederal WaySammamish
Top cities & communities

Communities to explore.

KirklandFederal WaySammamishRentonIssaquahBurienAuburnBellevueMercer IslandSeattleDes MoinesBothellKentRedmondMaple ValleyTukwilaSeaTacShorelineKenmoreCovington
Questions & Answers

Refinancing in King County

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

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