🇺🇸 US

2026 conforming loan limit: Lincoln County, WA

Quick answer

Lincoln County, Washington has a 2026 one-unit conforming loan limit of $832,750, which is 2.8 times the county's median home value of $292,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $71,512 (FHFA; Census ACS 2020–2024).

✓ FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

ItemValue
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)$292,800
Washington median home value$564,600
Limit ÷ median home value2.84×
Median household income$71,512
Median home value ÷ income4.1×
Population11,489
Median property tax paid (owners)$1,744
Effective property tax rate (approx.)0.60%
Owner-occupied homes80.4%
Home value rank in Washington35 of 39 counties
Neighbor: Adams County, WAlimit $832,750; median home $273,300
Neighbor: Ferry County, WAlimit $832,750; median home $283,400
Neighbor: Grant County, WAlimit $832,750; median home $299,500
Neighbor: Okanogan County, WAlimit $832,750; median home $299,800
Neighbor: Spokane County, WAlimit $832,750; median home $410,700
Neighbor: Stevens County, WAlimit $832,750; median home $350,600
Neighbor: Whitman County, WAlimit $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. Lincoln County's median home value is 48% below the state median of $564,600 (rank 35 of 39). Among its 7 neighboring counties, Spokane County has the highest median home value ($410,700) and Adams County the lowest ($273,300); all share the same loan limit. Owners pay a median $1,744 a year in property tax, an effective rate of about 0.60% 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.

Frequently asked questions

What is the conforming loan limit in Lincoln County, Washington?

Lincoln County, Washington has a 2026 one-unit conforming loan limit of $832,750, which is 2.8 times the county's median home value of $292,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $71,512 (FHFA; Census ACS 2020–2024).

What is the median home value in Lincoln County, Washington?

The median owner-occupied home value in Lincoln County is $292,800 (ACS 2020–2024), versus $564,600 statewide.

Do I need a jumbo loan in Lincoln County?

Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $292,800, so the cap is 2.84 times the typical home value.

Related

Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.

Related answers

Tools & live data

All Loan Limits pages →