Franklin County, Washington has a 2026 one-unit conforming loan limit of $832,750, which is 2.2 times the county's median home value of $379,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $86,714 (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) | $379,300 |
| Washington median home value | $564,600 |
| Limit ÷ median home value | 2.20× |
| Median household income | $86,714 |
| Median home value ÷ income | 4.4× |
| Population | 98,902 |
| Median property tax paid (owners) | $2,750 |
| Effective property tax rate (approx.) | 0.73% |
| Owner-occupied homes | 71.0% |
| Home value rank in Washington | 25 of 39 counties |
| Neighbor: Adams County, WA | limit $832,750; median home $273,300 |
| Neighbor: Benton County, WA | limit $832,750; median home $407,800 |
| Neighbor: Columbia County, WA | limit $832,750; median home $271,200 |
| Neighbor: Grant County, WA | limit $832,750; median home $299,500 |
| Neighbor: Walla Walla County, WA | limit $832,750; median home $408,900 |
| Neighbor: Whitman County, WA | limit $832,750; median home $359,600 |
Across Washington's 39 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,063,750, with 3 high-cost counties. Franklin County's median home value is 33% below the state median of $564,600 (rank 25 of 39). Among its 6 neighboring counties, Walla Walla County has the highest median home value ($408,900) and Columbia County the lowest ($271,200); all share the same loan limit. Owners pay a median $2,750 a year in property tax, an effective rate of about 0.73% 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
- 2026 conforming loan limit: Franklin County, TX
- 2026 conforming loan limit: Franklin County, VA
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- 2026 conforming loan limit: Freeborn County, MN
Last updated 2026-10-16. Data only, not financial or tax advice.