WA mortgage rates

Yakima County

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

Yakima 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 Yakima 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 Yakima

A local view of the market.

Yakima County's real estate market has seen a modest increase in home values, with the median sale price reaching $360,000 as of September 2024, reflecting a 0.8% rise from the previous year. Homes in the county typically sell after 24 days on the market, indicating a relatively stable demand in the area. The county is home to several notable cities, including Yakima, the largest city with a population of approximately 96,000, and Sunnyside, which has around 16,000 residents. Selah and Toppenish are also significant urban centers, with populations of about 8,000 and 9,000, respectively. These cities contribute to the county's diverse urban landscape, offering a mix of cultural and economic activities. Living in Yakima County offers a blend of rural and suburban experiences, with agriculture playing a crucial role in the local economy. The county is known for its vast farmlands and vineyards, making it an attractive destination for those interested in agricultural pursuits. The top industries include agriculture, food processing, and healthcare. People are drawn to Yakima County for its affordable housing compared to larger metropolitan areas, as well as its scenic landscapes and opportunities for outdoor recreation.

County snapshot

Market context.

WA

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

Market areaYakimaMapped market area
Area code49420CBSA / MSA reference
Featured communityYakimaFrom the county record
Data year2026Aligned with this limit record
Yakima
Top cities & communities

Communities to explore.

Yakima
Questions & Answers

Refinancing in Yakima County

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

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