Washington · 2026
Washington 2026 FHA and conforming loan limits
For a one-unit home in Washington, the 2026 conforming limit is $832,750 to $1,063,750 and the FHA limit is $541,287 to $1,063,750. FHA limits rose in 38 of 39 counties from 2025.
| County | Conforming 1 unit | Conforming 2 units | FHA 1 unit | FHA 2 units | FHA 3 units | FHA 4 units | FHA vs 2025 |
|---|---|---|---|---|---|---|---|
| Adams County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Asotin County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Benton County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Chelan County | $832,750 | $1,066,250 | $586,500 | $750,800 | $907,550 | $1,127,900 | +$40,250 |
| Clallam County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Clark County | $832,750 | $1,066,250 | $701,500 | $898,050 | $1,085,550 | $1,349,050 | +$5,750 |
| Columbia County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Cowlitz County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Douglas County | $832,750 | $1,066,250 | $586,500 | $750,800 | $907,550 | $1,127,900 | +$40,250 |
| Ferry County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Franklin County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Garfield County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Grant County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Grays Harbor County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Island County | $832,750 | $1,066,250 | $671,600 | $859,750 | $1,039,250 | $1,291,550 | +$67,850 |
| Jefferson County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| King County | $1,063,750 | $1,361,800 | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 | +$26,450 |
| Kitsap County | $832,750 | $1,066,250 | $616,400 | $789,100 | $953,850 | $1,185,400 | +$41,400 |
| Kittitas County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Klickitat County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Lewis County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Lincoln County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Mason County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Okanogan County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Pacific County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Pend Oreille County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Pierce County | $1,063,750 | $1,361,800 | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 | +$26,450 |
| San Juan County | $832,750 | $1,066,250 | $680,800 | $871,550 | $1,053,500 | $1,309,250 | +$156,575 |
| Skagit County | $832,750 | $1,066,250 | $621,000 | $795,000 | $960,950 | $1,194,250 | +$57,500 |
| Skamania County | $832,750 | $1,066,250 | $701,500 | $898,050 | $1,085,550 | $1,349,050 | +$5,750 |
| Snohomish County | $1,063,750 | $1,361,800 | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 | +$26,450 |
| Spokane County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Stevens County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Thurston County | $832,750 | $1,066,250 | $586,500 | $750,800 | $907,550 | $1,127,900 | +$28,750 |
| Wahkiakum County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Walla Walla County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Whatcom County | $832,750 | $1,066,250 | $664,700 | $850,950 | $1,028,600 | $1,278,300 | +$32,200 |
| Whitman County | $832,750 | $1,066,250 | $579,600 | $742,000 | $896,900 | $1,114,650 | — |
| Yakima County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
Conforming limits: FHFA (2026). FHA forward-mortgage limits: HUD (2026 case numbers). Each county page adds 2025 mortgage activity.
Counts: 39 counties and county-equivalents.