Cowlitz County, Washington has a 2026 one-unit conforming loan limit of $832,750, which is 2.1 times the county's median home value of $397,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $76,531 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $397,500 |
| Washington median home value | $564,600 |
| Limit ÷ median home value | 2.09× |
| Median household income | $76,531 |
| Median home value ÷ income | 5.2× |
| Population | 112,360 |
| Median property tax paid (owners) | $3,245 |
| Effective property tax rate (approx.) | 0.82% |
| Owner-occupied homes | 68.0% |
| Home value rank in Washington | 22 of 39 counties |
| Neighbor: Columbia County, OR | limit $832,750; median home $421,600 |
| Neighbor: Clark County, WA | limit $832,750; median home $522,900 |
| Neighbor: Lewis County, WA | limit $832,750; median home $385,800 |
| Neighbor: Skamania County, WA | limit $832,750; median home $529,500 |
| Neighbor: Wahkiakum County, WA | limit $832,750; median home $396,800 |
Across Washington's 39 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,063,750, with 3 high-cost counties. Cowlitz County's median home value is 30% below the state median of $564,600 (rank 22 of 39). Among its 5 neighboring counties, Skamania County has the highest median home value ($529,500) and Lewis County the lowest ($385,800); all share the same loan limit. Owners pay a median $3,245 a year in property tax, an effective rate of about 0.82% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
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Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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