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2019 FHA Loan Limits in Washington

FHA loan limits in Washington for single-family homes now range from $314,827 to $726,525, depending on the county. But only three counties — King, Pierce and Snohomish — top out at the highest limit. These counties are all within the metropolitan area that includes Seattle, Tacoma and Bellevue.

With access to water, mountains, evergreen forests and startup hubs such as Seattle, it’s no surprise Washington attracts a large number of newcomers each year — and home prices are keeping up with the population growth.

According to the Federal Housing Finance Agency, Washington saw the third-highest hike in home prices last fall compared to a year ago. During that time, prices in Washington overall rose 10.6%, compared to 6.3% nationally.

For now, Washington still offers a variety of price points for buyers, although options are far more limited in the expensive Puget Sound area, which includes cities such as Seattle, Tacoma and Redmond.

As in many states, housing affordability is a concern in Washington. But some experts say 2018 was a swing year in the 23 counties that make up the western Washington market, home to most of the state’s major cities. While lack of inventory is still a problem there, price growth has slowed, due to factors such as a larger number of unsold homes, new listings and rising interest rates.

If you’re looking for a new home in Washington, an FHA loan might be an affordable option, especially if you’re a first-time buyer. In fiscal year 2018, Washington generated 2.27% of all FHA loans nationwide, making the state one of the top 20 in overall usage of FHA loans.

Washington FHA loan limits by county

FHA Loan Limits in Washington
County Name One-Family Two-Family Three-Family Four-Family Median Sale Price
Adams $331,760 $424,800 $513,450 $638,100 $171,000
Asotin $331,760 $424,800 $513,450 $638,100 $213,000
Benton $331,760 $424,800 $513,450 $638,100 $275,000
Chelan $345,000 $441,650 $533,850 $663,450 $300,000
Clallam $384,100 $491,700 $594,350 $738,650 $260,000
Clark $491,050 $628,600 $759,850 $944,350 $427,000
Columbia $331,760 $424,800 $513,450 $638,100 $160,000
Cowlitz $331,760 $424,800 $513,450 $638,100 $245,000
Douglas $345,000 $441,650 $533,850 $663,450 $300,000
Ferry $331,760 $424,800 $513,450 $638,100 $92,000
Franklin $331,760 $424,800 $513,450 $638,100 $275,000
Garfield $331,760 $424,800 $513,450 $638,100 $192,000
Grant $331,760 $424,800 $513,450 $638,100 $180,000
Grays Harbor $331,760 $424,800 $513,450 $638,100 $169,000
Island $393,300 $503,500 $608,600 $756,350 $342,000
Jefferson $351,900 $450,500 $544,550 $676,750 $306,000
King $741,750 $949,600 $1,147,800 $1,426,450 $645,000
Kitsap $395,600 $506,450 $612,150 $760,750 $344,000
Kittitas $331,760 $424,800 $513,450 $638,100 $282,000
Klickitat $331,760 $424,800 $513,450 $638,100 $183,000
Lewis $331,760 $424,800 $513,450 $638,100 $198,000
Lincoln $331,760 $424,800 $513,450 $638,100 $201,000
Mason $331,760 $424,800 $513,450 $638,100 $225,000
Okanogan $331,760 $424,800 $513,450 $638,100 $155,000
Pacific $331,760 $424,800 $513,450 $638,100 $129,000
Pend Oreille $331,760 $424,800 $513,450 $638,100 $238,000
Pierce $741,750 $949,600 $1,147,800 $1,426,450 $645,000
San Juan $497,950 $637,450 $770,550 $957,600 $433,000
Skagit $373,750 $478,450 $578,350 $718,750 $325,000
Skamania $491,050 $628,600 $759,850 $944,350 $427,000
Snohomish $741,750 $949,600 $1,147,800 $1,426,450 $645,000
Spokane $331,760 $424,800 $513,450 $638,100 $240,000
Stevens $331,760 $424,800 $513,450 $638,100 $240,000
Thurston $370,300 $474,050 $573,000 $712,100 $322,000
Wahkiakum $331,760 $424,800 $513,450 $638,100 $108,000
Walla Walla $331,760 $424,800 $513,450 $638,100 $255,000
Whatcom $411,700 $527,050 $637,050 $791,750 $358,000
Whitman $331,760 $424,800 $513,450 $638,100 $271,000
Yakima $331,760 $424,800 $513,450 $638,100 $215,000

How are FHA loan limits determined?

The U.S. Department of Housing and Urban Development (HUD) sets FHA loan limits based on the conforming loan limit — or how large of a mortgage Fannie Mae and Freddie Mac will insure. In 2019, that limit is $484,350.

The FHA “floor” is the largest mortgage the agency will insure in most of the country and is set at $314,827 for 2019. The FHA “ceiling” applies to high-cost areas and is set at 150% of the conforming loan limit, or $726,525. Outside of a few exceptions, this is the highest mortgage the agency will insure for a single-family home. In other areas, loan limits fall somewhere between the FHA floor and ceiling.

Here are the 2019 standard FHA limits for all property types:

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

Here are the 2019 standard FHA limits for high-cost areas:

  • One-unit: $726,525
  • Two-unit: $930,300
  • Three-unit: $1,124,475
  • Four-unit: $1,397,400

Do you qualify for an FHA loan in Washington?

If you’re looking for a new home in Washington and are considering an FHA loan, go to the FHA loan limit website to see if you might qualify. For credit score, down payment and other requirements, visit our FHA resource center.

 

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