HUD has released the 2026 FHA loan limits for homes located in Washington State. FHA loan limits are set each year and vary by county and by the number of units (1–4 unit homes).
These limits determine the maximum base loan amount you can finance using an FHA-insured mortgage. If your loan amount is higher than the FHA limit for the county where the property is located, you may need a different type of financing (such as a conventional or jumbo loan), or a larger down payment.
Here is a complete list of the FHA loan limits for homes located in Washington State.
King County, Pierce County and Snohomish County
These counties share the same FHA loan limits due to their high-cost status.
| Property Type | 2026 FHA Limit |
|---|---|
| 1-unit | $1,063,750 |
| 2-unit | $1,361,800 |
| 3-unit | $1,646,100 |
| 4-unit | $2,045,700 |
Clark County and Skamania County
| Property Type | 2026 FHA Limit |
|---|---|
| 1-unit | $701,500 |
| 2-unit | $898,050 |
| 3-unit | $1,085,550 |
| 4-unit | $1,349,050 |
San Juan County
| Property Type | 2026 FHA Limit |
|---|---|
| 1-unit | $680,800 |
| 2-unit | $871,550 |
| 3-unit | $1,053,500 |
| 4-unit | $1,309,250 |
Island County
| Property Type | 2026 FHA Limit |
|---|---|
| 1-unit | $671,600 |
| 2-unit | $859,750 |
| 3-unit | $1,039,250 |
| 4-unit | $1,291,550 |
| Property Type | 2026 FHA Limit |
|---|---|
| 1-unit | $664,700 |
| 2-unit | $850,950 |
| 3-unit | $1,028,600 |
| 4-unit | $1,278,300 |
| Property Type | 2026 FHA Limit |
|---|---|
| 1-unit | $621,000 |
| 2-unit | $795,000 |
| 3-unit | $960,950 |
| 4-unit | $1,194,250 |
| Property Type | 2026 FHA Limit |
|---|---|
| 1-unit | $616,400 |
| 2-unit | $789,100 |
| 3-unit | $953,850 |
| 4-unit | $1,185,400 |
Thurston County, Chelan County and Douglas County,
| Property Type | 2026 FHA Limit |
|---|---|
| 1-unit | $586,500 |
| 2-unit | $750,800 |
| 3-unit | $907,550 |
| 4-unit | $1,127,900 |
Whitman County
| Property Type | 2026 FHA Limit |
|---|---|
| 1-unit | $579,600 |
| 2-unit | $742,000 |
| 3-unit | $896,900 |
| 4-unit | $1,114,650 |
Adams County, Asotin County, Benton County, Cowlitz County, Ferry County, Franklin County, Garfield County, Grant County, Grays Harbor County, Jefferson County, Kittitas County, Klickitat County, Lewis County, Lincoln County, Mason County, Okanogan County, Pacific County, Pend Oreille County, Spokane County, Wahkiakum County, Walla Walla County and Yakima County
| Property Type | 2026 FHA Limit |
|---|---|
| 1-unit | $541,287 (FHA floor) |
| 2-unit | $693,050 |
| 3-unit | $837,700 |
| 4-unit | $1,041,125 |
Frequently Asked Questions
What is the 2026 FHA loan limit in King, Pierce, and Snohomish Counties?
King, Pierce, and Snohomish Counties are considered high-cost areas, so their FHA loan limit for a single-family home is higher than the national floor. See the table above for the exact current figure and limits for 2, 3, and 4-unit properties.What is the FHA loan limit in other Washington counties?
Most other Washington counties fall at the FHA national floor, which applies to lower-cost areas nationwide. Check the county-by-county table above for your specific county, since a handful of counties may fall between the floor and the high-cost limit depending on local home prices.Are FHA loan limits the same as conforming loan limits?
No. FHA loan limits are set separately from conforming loan limits, which apply to Fannie Mae and Freddie Mac loans. The two limits can be similar in some counties but are calculated and published independently. 👉 See 2026 conforming loan limits or 2026 VA loan limits for those figures.What happens if I need to borrow more than the FHA loan limit?
If your loan amount exceeds the FHA limit for your county, FHA financing won’t work for that loan amount, and you’d need to look at a conventional, jumbo, or other loan program instead, depending on your down payment and qualifying profile.Do FHA loan limits vary by property size?
Yes. FHA loan limits increase for 2, 3, and 4-unit properties compared to a single-family home, the same way conforming loan limits do. You can purchase up to a 4-unit property with FHA financing as long as you occupy one of the units.How often do FHA loan limits change?
FHA loan limits are set annually by HUD, typically announced in late November or early December for the following year, based on the same home price data used to set conforming loan limits.I have been helping people with their mortgage needs for over 25 years. If you’re interested in an FHA (or any) mortgage loan for homes located anywhere in Washington, please contact me! I’m happy to help you.
About Rhonda Porter
[…] FHA loan limits apply and vary by county — King, Snohomish, and Pierce Counties have higher limits reflecting local home values. […]