WA mortgage rates

Kittitas County

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

Kittitas 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 Kittitas 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 Kittitas

A local view of the market.

The real estate market in Kittitas County, Washington, has seen some fluctuations in 2024. The median home sold price in October 2024 was $527,351, which represents a 4% decrease from the previous year. The median price per square foot was $298, indicating a stable market with homes staying on the market for a typical duration. Kittitas County includes several notable cities, with Ellensburg and Cle Elum being among the most prominent. Ellensburg, known for its vibrant community and educational institutions, has a population of approximately 20,000 residents. Cle Elum, a smaller city with a population of around 2,000, is known for its scenic beauty and outdoor recreational opportunities. Living in Kittitas County offers a mix of rural and suburban experiences, with a strong emphasis on agriculture and outdoor activities. The county's economy is supported by industries such as education, healthcare, and tourism, attracting people seeking a quieter lifestyle with access to natural landscapes. The real estate market sees interest from those looking to escape urban centers, drawn by the county's scenic environment and community-oriented lifestyle.

County snapshot

Market context.

WA

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

Market areaEllensburgMapped market area
Area code21260CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Kittitas County

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

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