Skip to content
Purchase Mortgage Loan
Get Pre-Approved

FHA loans in Centralia, WA

Quick answer

The 2026 FHA loan limit in Centralia, WA (Lewis County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $267,600 median home value, that down payment is about $9,366 and the estimated payment is $2,188/month at 7.18%, which needs roughly $94,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $52,387; value-to-income ratio 5.11. Centralia ranks 127 by home value and 78 by population among 131 places in our WA dataset.

What does an FHA loan cost on a typical Centralia home?

ItemCentralia
Median home value (Census ACS)$267,600
Washington median home value$519,800
Down payment (3.5%)$9,366
Loan incl. 1.75% upfront MIP$262,753
Estimated monthly payment (PITI + MI)$2,188
Income needed (28% / 36%)$94,000 / $73,000
Lewis County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Washington's 0.84% effective property tax rate (Census ACS), $1,232/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Centralia?

Centralia is in Lewis County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Centralia median home value of $267,600 is 49% below the Washington median, and within what the county limit supports.

Which down payment assistance programs can Centralia buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

FHA loans in nearby cities

TumwaterYelmOlympiaLaceySheltonElk Plain

FHA loan FAQs for Centralia

Centralia is in Lewis County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $267,600 is about $9,366 with a 580+ credit score (10%, or $26,760, with a 500–579 score), plus closing costs.

At the $267,600 median value (below the Washington median of $519,800), the estimated payment of $2,188/month at 7.18% needs about $94,000 a year under the 28% housing guideline, or $73,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

Get matched with FHA lenders in Centralia

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.