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2026 FHA Loan Limits in Washington
Trying to figure out how much you can borrow with an FHA loan in Washington state? It depends on which county you’re buying in.
For 2026, FHA loan limits for single-family homes range from $541,287 in low-cost areas to $1,063,750 in high-cost areas like King, Pierce and Snohomish counties. These limits are important to understand before you start shopping for a home in Washington, because they directly impact your buying power.
Washington FHA loan limits by county
| County name | One unit | Two units | Three units | Four units | Median sales price |
|---|---|---|---|---|---|
| ADAMS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $290,000 |
| ASOTIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $357,000 |
| BENTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $425,000 |
| CHELAN COUNTY | $586,500 | $750,800 | $907,550 | $1,127,900 | $510,000 |
| CLALLAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $435,000 |
| CLARK COUNTY | $701,500 | $898,050 | $1,085,550 | $1,349,050 | $610,000 |
| COLUMBIA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $245,000 |
| COWLITZ COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $390,000 |
| DOUGLAS COUNTY | $586,500 | $750,800 | $907,550 | $1,127,900 | $510,000 |
| FERRY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| FRANKLIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $425,000 |
| GARFIELD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $279,000 |
| GRANT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| GRAYS HARBOR CO | $541,287 | $693,050 | $837,700 | $1,041,125 | $301,000 |
| ISLAND COUNTY | $671,600 | $859,750 | $1,039,250 | $1,291,550 | $584,000 |
| JEFFERSON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $117,000 |
| KING COUNTY | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 | $925,000 |
| KITSAP COUNTY | $616,400 | $789,100 | $953,850 | $1,185,400 | $536,000 |
| KITTITAS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $440,000 |
| KLICKITAT COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $285,000 |
| LEWIS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $375,000 |
| LINCOLN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $380,000 |
| MASON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $355,000 |
| OKANOGAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $245,000 |
| PACIFIC COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $280,000 |
| PEND OREILLE CO | $541,287 | $693,050 | $837,700 | $1,041,125 | $308,000 |
| PIERCE COUNTY | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 | $925,000 |
| SAN JUAN COUNTY | $680,800 | $871,550 | $1,053,500 | $1,309,250 | $592,000 |
| SKAGIT COUNTY | $621,000 | $795,000 | $960,950 | $1,194,250 | $540,000 |
| SKAMANIA COUNTY | $701,500 | $898,050 | $1,085,550 | $1,349,050 | $610,000 |
| SNOHOMISH COUNT | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 | $925,000 |
| SPOKANE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $413,000 |
| STEVENS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $413,000 |
| THURSTON COUNTY | $586,500 | $750,800 | $907,550 | $1,127,900 | $510,000 |
| WAHKIAKUM COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $204,000 |
| WALLA WALLA COU | $541,287 | $693,050 | $837,700 | $1,041,125 | $422,000 |
| WHATCOM COUNTY | $664,700 | $850,950 | $1,028,600 | $1,278,300 | $578,000 |
| WHITMAN COUNTY | $579,600 | $742,000 | $896,900 | $1,114,650 | $450,000 |
| YAKIMA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
How much is your home purchase price?
$400,000
How are FHA loan limits determined?
FHA loan limits are updated annually to comply with the National Housing Act (NHA). These limits are calculated based on median home prices in each county and equal a percentage of the national conforming loan limits.
- The “floor” is the lowest limit the FHA will set for any county across the country, and is calculated by taking 65% of the national conforming loan limit. The floor applies in counties with lower home prices.
-
The “ceiling,” or highest limit available across the continental U.S., is set at 150% of the national conforming limit. The ceiling applies in the most high-cost areas in the nation.
Alaska, Hawaii, Guam and the U.S. Virgin Islands are designated as special exception areas that have even higher limits: $1,873,687 for a single-family home in 2026.
- For counties that are still high cost, but may not be expensive enough to justify the full ceiling amount, the FHA sets a limit that’s tailored to that area: above the floor but below the ceiling, it’s calculated based on the median home prices in that area.
In Washington, 2026 FHA limits are $541,287 for a single-family home in most counties but go as high as $1,063,750 in the most expensive counties.
How to qualify for an FHA loan in Washington
FHA loans are an attractive choice for many homebuyers because they’re easier to qualify for than conventional loans. If you have a low credit score or want to make a small down payment, an FHA loan can be a good option.
To qualify for an FHA loan, here are the key requirements you must meet:
- Minimum credit score and down payment requirements: You’ll need a minimum 500 credit score to qualify for an FHA loan. A 3.5% down payment requires a 580 score or higher. If you have a 500 to 579 credit score, however, you’ll need to make a 10% down payment.
- Income and employment: You must prove you’ve had a stable work history and income for the last two years. Lenders may request W-2s and pay stubs.
- Debt-to-income ratio: Lenders use your debt-to-income (DTI) ratio to determine whether you can afford the mortgage. A 43% DTI ratio or lower is typically preferred, but this doesn’t mean you can’t get approved with a higher DTI.
- Residency: You must purchase a home you intend to live in for at least one year.
- Home appraisal: You’ll need an FHA appraisal to ensure the home meets safety and value standards set by the FHA.
- Cash reserves: You may be required to have cash reserves that cover at least one month’s mortgage payment. These reserves may include funds from checking or savings accounts, as well as sellable assets such as vehicles or stocks or cash from retirement or insurance accounts.
- Mortgage insurance: Buyers must pay an upfront mortgage insurance premium (1.75%) and an annual premium, which ranges from 0.15% to 0.75%, depending on the loan amount. These premiums are typically added to the borrower’s monthly mortgage payment.
Buying a multifamily property with an FHA loan
FHA loans allow you to purchase a multifamily home (two to four units) in Washington with only 3.5% down. In additional to the FHA requirements already covered, those purchasing a multifamily must meet the following requirements:
- Occupancy: You must live in the property for at least one year, though additional rooms and units can be rented out. This can allow you to use rental income to help pay the mortgage (often referred to as house hacking).
- Cash reserves: You must have enough cash on hand to cover at least three months of mortgage payments if you’re purchasing a three- or four-unit property. That drops down to two months of mortgage payments if it’s a single-family home with an accessory dwelling unit (ADU). In this respect, FHA loans are more forgiving than conventional loans, which require at least six months of mortgage payments for a multifamily home purchase.
- Income: You need proof of consistent, stable income from the past two years. If you plan to rent out the units you aren’t living in, or rent to a roommate, you may be able to include this prospective income in your mortgage application to boost your borrowing power.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Washington
How Does LendingTree Get Paid?
LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
| Lender | LendingTree rating | Min. FHA credit score | |
|---|---|---|---|
 | 580 | ||
 | 580 | ||
 | 580 | ||
 | 580 | ||
 | 580 |
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