WA mortgage rates

Skagit County

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

Skagit 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$621,000
2 units$795,000
3 units$960,950
4 units$1,194,250

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 Skagit 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 Skagit

A local view of the market.

The real estate market in Skagit County, Washington, is currently characterized as a seller's market, with a median home price of $557,123 as of October 2024. This represents a 4.1% increase from the previous year, indicating a trend of rising property values in the area. Homes in Skagit County tend to sell relatively quickly, with many transactions occurring at or above the asking price. Skagit County is home to several notable cities, including Mount Vernon, Anacortes, and Burlington. Mount Vernon, the county seat, has a population of approximately 36,000 residents, making it the largest city in the county. Anacortes, known for its maritime heritage and gateway to the San Juan Islands, has around 17,000 residents. Burlington, a hub for shopping and commerce, has a population of about 9,000 people. Living in Skagit County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is known for its fertile farmland, producing crops like berries and tulips. Suburban areas provide a quieter lifestyle with access to natural beauty and outdoor activities. The top industries in Skagit County include agriculture, manufacturing, and healthcare. People are drawn to the county for its scenic landscapes, affordable housing compared to nearby urban areas, and a strong sense of community.

County snapshot

Market context.

WA

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

Market areaMount Vernon-AnacortesMapped market area
Area code34580CBSA / MSA reference
Featured communityMount VernonFrom the county record
Data year2026Aligned with this limit record
Mount Vernon
Top cities & communities

Communities to explore.

Mount Vernon
Questions & Answers

Refinancing in Skagit County

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

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