What are the loan limits in each Washington county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Adams County | $832,750 | $541,287 | $693,050 | $251,300 |
| Asotin County | $832,750 | $541,287 | $693,050 | $286,200 |
| Benton County | $832,750 | $541,287 | $693,050 | $369,400 |
| Chelan County | $832,750 | $586,500 | $750,800 | $454,900 |
| Clallam County | $832,750 | $541,287 | $693,050 | $385,600 |
| Clark County | $832,750 | $701,500 | $898,050 | $487,900 |
| Columbia County | $832,750 | $541,287 | $693,050 | $256,100 |
| Cowlitz County | $832,750 | $541,287 | $693,050 | $367,400 |
| Douglas County | $832,750 | $586,500 | $750,800 | $402,900 |
| Ferry County | $832,750 | $541,287 | $693,050 | $274,500 |
| Franklin County | $832,750 | $541,287 | $693,050 | $345,700 |
| Garfield County | $832,750 | $541,287 | $693,050 | $214,200 |
| Grant County | $832,750 | $541,287 | $693,050 | $275,700 |
| Grays Harbor County | $832,750 | $541,287 | $693,050 | $279,500 |
| Island County | $832,750 | $671,600 | $859,750 | $535,300 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $495,100 |
| King County | $1,063,750 | $1,063,750 | $1,361,800 | $811,200 |
| Kitsap County | $832,750 | $616,400 | $789,100 | $505,700 |
| Kittitas County | $832,750 | $541,287 | $693,050 | $459,900 |
| Klickitat County | $832,750 | $541,287 | $693,050 | $388,700 |
| Lewis County | $832,750 | $541,287 | $693,050 | $341,500 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $272,300 |
| Mason County | $832,750 | $541,287 | $693,050 | $377,400 |
| Okanogan County | $832,750 | $541,287 | $693,050 | $284,200 |
| Pacific County | $832,750 | $541,287 | $693,050 | $274,000 |
| Pend Oreille County | $832,750 | $541,287 | $693,050 | $307,800 |
| Pierce County | $1,063,750 | $1,063,750 | $1,361,800 | $484,400 |
| San Juan County | $832,750 | $680,800 | $871,550 | $726,500 |
| Skagit County | $832,750 | $621,000 | $795,000 | $486,200 |
| Skamania County | $832,750 | $701,500 | $898,050 | $472,600 |
| Snohomish County | $1,063,750 | $1,063,750 | $1,361,800 | $644,600 |
| Spokane County | $832,750 | $541,287 | $693,050 | $370,500 |
| Stevens County | $832,750 | $541,287 | $693,050 | $308,000 |
| Thurston County | $832,750 | $586,500 | $750,800 | $451,500 |
| Wahkiakum County | $832,750 | $541,287 | $693,050 | $344,500 |
| Walla Walla County | $832,750 | $541,287 | $693,050 | $375,600 |
| Whatcom County | $832,750 | $664,700 | $850,950 | $536,100 |
| Whitman County | $832,750 | $579,600 | $742,000 | $323,300 |
| Yakima County | $832,750 | $541,287 | $693,050 | $281,100 |
Which Washington counties are high-cost areas?
King County, Pierce County, Snohomish County have conforming limits above the $832,750 baseline because local home values are higher.
Largest cities in Washington
Frequently asked questions
FHA one-unit limits in Washington start at $541,287. In King County, the most populous county, it's $1,063,750.
The 2026 one-unit conforming limit in King County is $1,063,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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