WA mortgage rates

Stevens County

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

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Stevens 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.

View all Washington counties
Refinance Payment Estimate

Estimate Your Refinance in Stevens 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 Stevens

A local view of the market.

In Stevens County, Washington, the real estate market has seen a notable increase in home values. As of October 2024, the median home sold price was $375,000, reflecting a 7.1% increase from the previous year. The market is currently considered a buyer's market, with homes selling for a median price of $200 per square foot. The county is home to several prominent cities, including Colville, Kettle Falls, and Chewelah. Colville, the largest city, has a population of approximately 4,700, while Kettle Falls and Chewelah have populations of about 1,600 and 2,600, respectively. These cities serve as central hubs for commerce and community activities in the region. Stevens County offers a predominantly rural lifestyle, with a mix of agricultural and suburban living. The county's economy is supported by industries such as agriculture, forestry, and manufacturing. The area attracts new residents due to its scenic landscapes, outdoor recreational opportunities, and a slower pace of life compared to urban centers. Migration patterns indicate that people are moving to Stevens County for its affordability and quality of life, making it an appealing destination for those seeking a rural or semi-rural environment.

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
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Stevens County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.