Thurston County, Washington loan limits 2026
FIPS 53067 · 21 ZIP codes, e.g. 98501, 98502, 98503, 98504, 98505, 98506 · metro area (CBSA) 36500
In Thurston County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $586,500. 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 Thurston 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 | $586,500 | +3.3% |
| 2 units | $1,066,250 | $750,800 | +3.3% |
| 3 units | $1,288,800 | $907,550 | +3.3% |
| 4 units | $1,601,750 | $1,127,900 | +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. Thurston County is in metro area CBSA 36500; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $122,800 · Olympia-Lacey-Tumwater, WA MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $68,800 | $78,600 | $88,450 | $98,250 | $106,150 | $114,000 | $121,850 | $129,700 |
| Very low income (50%) | $43,000 | $49,150 | $55,300 | $61,400 | $66,350 | $71,250 | $76,150 | $81,050 |
| Extremely low income (30%) | $25,800 | $29,500 | $33,200 | $36,850 | $39,800 | $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 | $1,586/mo | $1,538 | +3.1% |
| 1 bedroom | $1,656/mo | $1,682 | -1.5% |
| 2 bedrooms | $1,946/mo | $1,960 | -0.7% |
| 3 bedrooms | $2,541/mo | $2,613 | -2.8% |
| 4 bedrooms | $3,141/mo | $3,288 | -4.5% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Olympia-Lacey-Tumwater, WA MSA.
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 Thurston County, WA 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 Thurston County?
$586,500 for a single-family home in 2026 (HUD), up to $1,127,900 for a four-unit property.
What counts as a jumbo loan in Thurston County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Thurston County in 2026.
What are the HUD income limits in Thurston County?
For a family of four (FY2026): low income $98,250, very low income $61,400, extremely low income $36,850; area median family income $122,800.
What is the fair market rent in Thurston County?
$1,946 a month for a two-bedroom unit in FY2027 (HUD), $1,656 for one bedroom.