Washoe County, Nevada loan limits 2026
FIPS 32031 · 40 ZIP codes, e.g. 89402, 89405, 89412, 89424, 89431, 89432 · metro area (CBSA) 39900
In Washoe County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $638,250. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Washoe County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $638,250 | +3.3% |
| 2 units | $1,066,250 | $817,050 | +3.3% |
| 3 units | $1,288,800 | $987,650 | +3.3% |
| 4 units | $1,601,750 | $1,227,400 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Washoe County is in metro area CBSA 39900; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $116,800 · Reno, NV HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $65,450 | $74,800 | $84,150 | $93,450 | $100,950 | $108,450 | $115,900 | $123,400 |
| Very low income (50%) | $40,900 | $46,750 | $52,600 | $58,400 | $63,100 | $67,750 | $72,450 | $77,100 |
| Extremely low income (30%) | $24,550 | $28,050 | $31,550 | $35,050 | $38,680 | $44,360 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,279/mo | $1,289 | -0.8% |
| 1 bedroom | $1,460/mo | $1,489 | -1.9% |
| 2 bedrooms | $1,837/mo | $1,870 | -1.8% |
| 3 bedrooms | $2,452/mo | $2,539 | -3.4% |
| 4 bedrooms | $2,842/mo | $2,949 | -3.6% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Reno, NV HUD Metro FMR Area.
Same metro area
Counties in CBSA 39900 share the same loan limits.
Other counties in Nevada
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Washoe County, NV for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Washoe County?
$638,250 for a single-family home in 2026 (HUD), up to $1,227,400 for a four-unit property.
What counts as a jumbo loan in Washoe County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Washoe County in 2026.
What are the HUD income limits in Washoe County?
For a family of four (FY2026): low income $93,450, very low income $58,400, extremely low income $35,050; area median family income $116,800.
What is the fair market rent in Washoe County?
$1,837 a month for a two-bedroom unit in FY2027 (HUD), $1,460 for one bedroom.