King County, Washington loan limits 2026
FIPS 53033 · 120 ZIP codes, e.g. 98001, 98002, 98003, 98004, 98005, 98006 · metro area (CBSA) 42660
In King County the 2026 conforming loan limit is $1,063,750 for a single-family home — a high-cost area, 27.7% above the national baseline. The FHA limit is $1,063,750. Anything above $1,063,750 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 King 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) | $1,063,750 | $1,063,750 | +2.5% |
| 2 units | $1,361,800 | $1,361,800 | +2.5% |
| 3 units | $1,646,100 | $1,646,100 | +2.5% |
| 4 units | $2,045,700 | $2,045,700 | +2.5% |
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. King County is in metro area CBSA 42660; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $164,400 · Seattle-Bellevue, WA HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $81,700 | $93,350 | $105,000 | $116,650 | $126,000 | $135,350 | $144,650 | $154,000 |
| Very low income (50%) | $57,550 | $65,800 | $74,000 | $82,200 | $88,800 | $95,400 | $101,950 | $108,550 |
| Extremely low income (30%) | $34,550 | $39,450 | $44,400 | $49,300 | $53,250 | $57,200 | $61,150 | $65,100 |
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 | $2,091/mo | $2,074 | +0.8% |
| 1 bedroom | $2,180/mo | $2,146 | +1.6% |
| 2 bedrooms | $2,549/mo | $2,501 | +1.9% |
| 3 bedrooms | $3,324/mo | $3,272 | +1.6% |
| 4 bedrooms | $3,954/mo | $3,847 | +2.8% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Seattle-Bellevue, WA HUD Metro FMR Area.
Same metro area
Counties in CBSA 42660 share the same loan limits.
Other counties in Washington
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 King County, WA for 2026?
$1,063,750 for a one-unit property ($1,361,800 for 2 units, $1,646,100 for 3, $2,045,700 for 4), set by the FHFA; it was $1,037,300 in 2025.
What is the FHA loan limit in King County?
$1,063,750 for a single-family home in 2026 (HUD), up to $2,045,700 for a four-unit property.
What counts as a jumbo loan in King County?
A mortgage above $1,063,750 for a single-family home is a jumbo (non-conforming) loan in King County in 2026.
What are the HUD income limits in King County?
For a family of four (FY2026): low income $116,650, very low income $82,200, extremely low income $49,300; area median family income $164,400.
What is the fair market rent in King County?
$2,549 a month for a two-bedroom unit in FY2027 (HUD), $2,180 for one bedroom.