WA mortgage rates

Spokane County

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

Spokane 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 Spokane 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 Spokane

A local view of the market.

Spokane County's real estate market is experiencing a stable period with the median listing home price at $477,500 as of October 2024, remaining flat year-over-year. The median price per square foot is $222, and homes are selling for approximately the asking price on average. The top cities in Spokane County include Spokane, Spokane Valley, and Liberty Lake. Spokane is the largest city with a population of approximately 228,989, followed by Spokane Valley with around 102,976 residents, and Liberty Lake with a smaller population of about 11,000. Living in Spokane County offers a mix of suburban and rural experiences, with a strong presence of agriculture and farming in the more rural areas. The county's economy is supported by industries such as healthcare, education, and manufacturing. Real estate migration patterns suggest that people are moving to Spokane County for its affordable housing compared to larger cities in Washington, as well as for its quality of life and natural beauty.

County snapshot

Market context.

WA

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

Market areaSpokane-Spokane ValleyMapped market area
Area code44060CBSA / MSA reference
Featured communitiesSpokane · Spokane ValleyFrom the county record
Data year2026Aligned with this limit record
SpokaneSpokane Valley
Top cities & communities

Communities to explore.

SpokaneSpokane Valley
Questions & Answers

Refinancing in Spokane County

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

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