2020 Columbia County Government Home Loan Limits
FHA Loan Limit $331,760 (Single family residence) / $424,800 (Duplex) / $513,450 (Triplex) / $638,100 (Fourplex)
USDA Loan Limit $ 251,862
VA Home Loan Limit $0 down up to $3,000,000 / 2 open VA loans at one time $510,400 *(Call 888-573-4496 for details).
Columbia County is tiny in terms of population yet very spread out with 874 square miles of territory. The county only reports a population of 4,000 according to the most recent census. Surprisingly, it does not qualify it as the smallest county in Washington State but does place third in terms of population.
The largest town in Columbia County is Dayton. Dayton holds more than half of the population in the county at 2,500. This cozy community has taken great measures to preserve its historic downtown, which is something that anyone can appreciate.
Columbia County was established after separating from Walla Walla County in 1875. The name of the district was derived from the legendary Columbia River, which is located to the distant west of the county. The only major body of water that flows nearby the county is the Snake River, which runs through the northern boundary with Whitman County. Meanwhile, the southern boundary line connects to the Washington and Oregon State boundary.
As one might suspect with a territory so small the primary industries are agriculture and ranching. Asparagus is a very popular crop that is grown within the area. Other produce grown in the county include wheat and green peas. Logging is an industry that is common not only in Columbia County but throughout the rest of Washington State. Food processing has also grown into a staple over the decades.
Before settlers arrived at the lower part of the Snake River, which is now modern day Columbia County, the area was occupied by native Palouse bands and others that spoke Sahaptin. This includes the Nez Perce, Walla Walla, Yakama and Wanapum. When settlers arrived, they first tried to ranch the area. However, much of the stock did not survive the bitter winters. It was only after wheat was introduced to farmers that the county really began to thrive.
Dayton is the primary community that serves farmers, ranchers and other industries in the region. The town-proper is incredibly small yet still gathers people from surrounding areas because of its unique downtown. While most cities have modernized their downtowns to some degree over the decades, Dayton’s remains almost untouched. The oldest train depot in the state exists in Dayton. It also features the oldest continuously running courthouse.
Locals that call Columbia County home are very hard working, blue collar types and the community is close-knit. With such a small population it is not unusual that everyone knows each other on a first name basis.
The area is also home to some noteworthy attractions. Umatilla National Forest is a more than one million-acre piece of land located in the Blue Mountains. It features a diverse range of landscapes. Locals like to unwind here on weekends to camp, fish, hike, hunt and drive off road vehicles.
In the winters, locals hit the slopes at Bluewood Ski Area. This ski area provides over 300 inches of snowfall per year, on average. It has the second highest ski base in all of Washington with 400 different skiable acres.
Lewis and Clark Trail State Park is another popular feature in the area. The 37-acre park is west of Dayton and features similar outdoor recreation opportunities on the 1,300 plus feet of shoreline at Touchet River.
Find Your Dream Home in the County
FedHome Loan Centers has connections in the area regarding available properties. The application process is very quick and straightforward.
Columbia County Property Search
Easily find and finance the perfect home with FedHome Loan Centers today!
Columbia County Condo Search
For a complete list of properties in the area contact FedHome Loan Centers.
USDA Loan Limit
USDA Eligible zip codes include: 99328, 99359
Contact FedHome Loan Centers at 877-432-5626 for more information and to confirm eligibility.