Garfield County, Washington has a 2026 one-unit conforming loan limit of $832,750, which is 3.5 times the county's median home value of $239,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $64,884 (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) | $239,200 |
| Washington median home value | $564,600 |
| Limit ÷ median home value | 3.48× |
| Median household income | $64,884 |
| Median home value ÷ income | 3.7× |
| Population | 2,353 |
| Median property tax paid (owners) | $1,574 |
| Effective property tax rate (approx.) | 0.66% |
| Owner-occupied homes | 76.9% |
| Home value rank in Washington | 39 of 39 counties |
| Neighbor: Wallowa County, OR | limit $832,750; median home $394,800 |
| Neighbor: Asotin County, WA | limit $832,750; median home $325,600 |
| Neighbor: Columbia County, WA | limit $832,750; median home $271,200 |
| 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. Garfield County's median home value is 58% below the state median of $564,600 (rank 39 of 39). Among its 4 neighboring counties, Wallowa County has the highest median home value ($394,800) and Columbia County the lowest ($271,200); all share the same loan limit. Owners pay a median $1,574 a year in property tax, an effective rate of about 0.66% 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 2026-10-16. Data only, not financial or tax advice.