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2026 conforming loan limit: Stevens County, WA

Quick answer

Stevens County, Washington has a 2026 one-unit conforming loan limit of $832,750, which is 2.4 times the county's median home value of $350,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $69,327 (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)$350,600
Washington median home value$564,600
Limit ÷ median home value2.38×
Median household income$69,327
Median home value ÷ income5.1×
Population48,067
Median property tax paid (owners)$2,065
Effective property tax rate (approx.)0.59%
Owner-occupied homes79.8%
Home value rank in Washington28 of 39 counties
Neighbor: Ferry County, WAlimit $832,750; median home $283,400
Neighbor: Lincoln County, WAlimit $832,750; median home $292,800
Neighbor: Pend Oreille County, WAlimit $832,750; median home $367,900
Neighbor: Spokane County, WAlimit $832,750; median home $410,700

Across Washington's 39 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,063,750, with 3 high-cost counties. Stevens County's median home value is 38% below the state median of $564,600 (rank 28 of 39). Among its 4 neighboring counties, Spokane County has the highest median home value ($410,700) and Ferry County the lowest ($283,400); all share the same loan limit. Owners pay a median $2,065 a year in property tax, an effective rate of about 0.59% 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.

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

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