Washington Loan Limits by County, 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 39 Washington counties. 14 counties are high-cost areas with FHA limits above the national floor.
Choose your county to see the answer.
CountyHouseholdIncomePriceSavings
More about loan limits
Washington counties
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Adams County | $541,287 | $832,750 | Floor |
| Asotin County | $541,287 | $832,750 | Floor |
| Benton County | $541,287 | $832,750 | Floor |
| Chelan County | $586,500 | $832,750 | High-cost |
| Clallam County | $541,287 | $832,750 | Floor |
| Clark County | $701,500 | $832,750 | High-cost |
| Columbia County | $541,287 | $832,750 | Floor |
| Cowlitz County | $541,287 | $832,750 | Floor |
| Douglas County | $586,500 | $832,750 | High-cost |
| Ferry County | $541,287 | $832,750 | Floor |
| Franklin County | $541,287 | $832,750 | Floor |
| Garfield County | $541,287 | $832,750 | Floor |
| Grant County | $541,287 | $832,750 | Floor |
| Grays Harbor County | $541,287 | $832,750 | Floor |
| Island County | $671,600 | $832,750 | High-cost |
| Jefferson County | $541,287 | $832,750 | Floor |
| King County | $1,063,750 | $1,063,750 | High-cost |
| Kitsap County | $616,400 | $832,750 | High-cost |
| Kittitas County | $541,287 | $832,750 | Floor |
| Klickitat County | $541,287 | $832,750 | Floor |
| Lewis County | $541,287 | $832,750 | Floor |
| Lincoln County | $541,287 | $832,750 | Floor |
| Mason County | $541,287 | $832,750 | Floor |
| Okanogan County | $541,287 | $832,750 | Floor |
| Pacific County | $541,287 | $832,750 | Floor |
| Pend Oreille County | $541,287 | $832,750 | Floor |
| Pierce County | $1,063,750 | $1,063,750 | High-cost |
| San Juan County | $680,800 | $832,750 | High-cost |
| Skagit County | $621,000 | $832,750 | High-cost |
| Skamania County | $701,500 | $832,750 | High-cost |
| Snohomish County | $1,063,750 | $1,063,750 | High-cost |
| Spokane County | $541,287 | $832,750 | Floor |
| Stevens County | $541,287 | $832,750 | Floor |
| Thurston County | $586,500 | $832,750 | High-cost |
| Wahkiakum County | $541,287 | $832,750 | Floor |
| Walla Walla County | $541,287 | $832,750 | Floor |
| Whatcom County | $664,700 | $832,750 | High-cost |
| Whitman County | $579,600 | $832,750 | High-cost |
| Yakima County | $541,287 | $832,750 | Floor |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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