WA mortgage rates

Lincoln County

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

Lincoln 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 Lincoln 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 Lincoln

A local view of the market.

The real estate market in Lincoln County, Washington, is currently characterized as a buyer's market, with the median home sold price at $299,950 as of October 2024, reflecting a 17.6% increase from the previous year. The average home value in the county is $304,773, which has seen a modest increase of 1.5% over the past year. Lincoln County is home to several small cities, with Davenport serving as the county seat. Davenport has a population of approximately 1,700 residents, making it one of the larger towns in the area. Other notable towns include Wilbur, with a population of around 900, and Odessa, which has about 900 residents as well. These towns serve as central hubs for the surrounding rural communities. Living in Lincoln County offers a predominantly rural lifestyle, with agriculture being a significant part of the local economy. The county's landscape is dotted with farms and open fields, providing a serene environment for those seeking a quieter, more pastoral way of life. The top industries in the area include agriculture, manufacturing, and healthcare. The county attracts individuals and families looking for affordable housing options and a slower pace of life, often moving from more urbanized areas in search of a closer connection to nature and community.

Questions & Answers

Refinancing in Lincoln County

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

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