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Pacific County, Washington (FedHome Loan Centers)

The 2019 $0 down, federal home loan limit for $314,827. 

Pacific County is a relatively small portion of land in Western Washington State. As the name implies, its entire western boundary borders the Pacific Ocean. The county is just southwest of Olympia. It is across from where the Columbia River meets the Pacific Ocean and Clatsop State Forest. The county has a reported population of 21,000, according to the latest census. It has over 1,200 square miles of land.

Pacific County borders Grays Harbor County to the east and Lewis County. The southern border is connected to the Columbia River and Wahkiakum County. Pacific County is situated on the Long Beach Peninsula. The peninsula is about 30 miles in length. 

The Chinook Indians were the first people to occupy land that is present day Pacific County. According to history reports there were more than 40 different settlements on the Long Beach Peninsula. Chinook tribes were known to like to trade and were skilled fisherman. Salmon and oysters are abundant in the region. Lewis and Clark later discovered the area on an expedition and stayed with local Chinook for nearly a month.

South Bend is the county seat though Raymond is the largest city. Raymond has a population of 3,000. Logging and fishing help drive the economy of this coastal town. Meanwhile, South Bend has a population of 1,600. It produces a wealth of oysters that are transported to other parts of the country. 

South Bend is situated on the Willapa River. It was founded in 1869 and was largely driven by its lumber and sawmill. It has been nicknamed the Oyster Capital of the World because of its rich supply. Today fishermen (both commercial and amateur) continue to try their luck on numerous docks and fishing boats. 

The major industries in Pacific County are oystering and fishing. Lumber continues to play a major role as well, though the industry has cut back on its production over the last couple of decades. Dairy farming is also common. Cranberries are a popular local crop. The coastal communities also draw a fair share of tourism.  

The Willapa National Wildlife Refuge is one of the more popular attractions in Pacific County. The refuge is located on Willapa Bay. It is one of the most ancient estuaries in the nation. The estuary is also the second largest on the Pacific Coast.  

The Willapa National Wildlife Refuge has a goal to preserve the unique ecosystem of the territory including old growth forests, salt marshes, freshwater marshes, coastal dunes and grasslands. Salmon thrive at the Willapa National Wildlife Refuge including rare breeds like chinook, coho and chum. Seabirds also love the area in the summer and fall. 

Fort Columbia State Park is another noteworthy attraction in Pacific County. The nearly 600-acre park exists by the shoreline of the Columbia River. Old buildings previously occupied by the U.S. Army are still in existence. Some of the buildings date back to 1896. Lewis and Clark also visited the area. 

Cape Disappoint State Park and Long Beach are two other popular area attractions. The areas feature great sightseeing and leisure opportunities. There is an abundance of things to do in Pacific County which is why the land draws people from all over the region. 


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Pacific County Property Search 

Bay Center, Lebam, Menlo, Raymond, South Bend, Tokeland, Chinook, Ilwaco, Long Beach, Nahcotta, Naselle, Ocean Park, Oysterville, Seaview 

98527, 98554, 98561, 98577, 98586, 98590, 98614, 98624, 98631, 98637, 98638, 98640, 98641, 98644 

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Pacific County Condo Search 

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Pacific County Loan Limits 

FHA: $314,827 

USDA: $251,862 

VA: $484,350 


FHA Loan Limits  

One-Unit: $314,827 
Two-Units: $403,125 
Three-Units: $487,250 
Four-Units: $605,525 


USDA Loan Limit 

The USDA income limit is $52,000.

 USDA Eligible zip codes in Pacific County are:  98527, 98554, 98561, 98577, 98586, 98590, 98614, 98624, 98631, 98637, 98638, 98640, 98641, 98644 

Contact FedHome Loan Centers at 877-432-5626 for more information!