Your Property Details
Richland, Benton County median: $445,000
Richland, Benton County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 48.0%
- Avg Property Tax Rate
- 0.90%
- Est. Annual Tax
- $4,005
Your Equity Position
Current Equity
$178,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$356,000
Cash Available
$89,000
Max New Loan
$378,250
Cash Available
$111,250
Max New Loan
$400,500
Cash Available
$133,500
5-Year Projection for Richland, Benton County
Based on 48.0% historical appreciation in Richland, Benton County, Washington:
Projected Value (5yr)
$658,600
Projected Equity Gain
$213,600
Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for Richland, Benton County is $806,500 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What is the 2026 conforming loan limit for Richland, Washington?
Richland is in Benton County, which has a 2026 FHFA conforming loan limit of $806,500. This limit applies to all cities within the county. Loans exceeding this amount require jumbo financing.
How much equity can I access through a cash-out refinance in Richland?
With Richland's median home value of $445,000, a homeowner with 40% equity could access approximately $89,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Richland, Benton County?
The average effective property tax rate in Richland is 0.90%. On a home valued at $445,000, that's approximately $4,005 per year. Property taxes are factored into your total PITI payment.
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