WA mortgage rates

Pacific County

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

Pacific 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 Pacific 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 Pacific

A local view of the market.

The real estate market in Pacific County, Washington, is currently characterized as a neutral market, meaning that housing prices are relatively stable, and homes remain on the market for an average duration. As of October 2024, the median home sold price was $338,750, reflecting a slight decrease of 1% from the previous year. The median price per square foot was $258, indicating a balanced market for buyers and sellers. Pacific County is home to several notable cities, with South Bend and Raymond being among the largest. South Bend, the county seat, has a population of approximately 1,600 residents, while Raymond is slightly larger, with around 2,800 residents. These cities serve as central hubs for the county's economic and social activities, offering a mix of small-town charm and essential amenities. Living in Pacific County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture and fishing industries. The county's scenic landscapes and proximity to the Pacific Ocean make it an attractive location for those seeking a quieter, nature-oriented lifestyle. Migration patterns suggest that people are moving to Pacific County for its affordable housing, natural beauty, and the opportunity to engage in outdoor recreational activities, making it a desirable destination for retirees and families alike.

Questions & Answers

Refinancing in Pacific County

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

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