Whatcom County, Washington loan limits 2026
FIPS 53073 · 19 ZIP codes, e.g. 98220, 98225, 98226, 98227, 98228, 98229 · metro area (CBSA) 13380
In Whatcom County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $664,700. 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 Whatcom 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 | $664,700 | +3.3% |
| 2 units | $1,066,250 | $850,950 | +3.3% |
| 3 units | $1,288,800 | $1,028,600 | +3.3% |
| 4 units | $1,601,750 | $1,278,300 | +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. Whatcom County is in metro area CBSA 13380; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $123,300 · Bellingham, WA MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $66,750 | $76,300 | $85,850 | $95,350 | $103,000 | $110,650 | $118,250 | $125,850 |
| Very low income (50%) | $41,700 | $47,700 | $53,650 | $59,600 | $64,400 | $69,150 | $73,950 | $78,700 |
| Extremely low income (30%) | $25,050 | $28,600 | $32,200 | $35,750 | $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 | $1,489/mo | $1,463 | +1.8% |
| 1 bedroom | $1,529/mo | $1,493 | +2.4% |
| 2 bedrooms | $1,872/mo | $1,794 | +4.3% |
| 3 bedrooms | $2,545/mo | $2,495 | +2% |
| 4 bedrooms | $3,129/mo | $3,010 | +4% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Bellingham, 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 Whatcom 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 Whatcom County?
$664,700 for a single-family home in 2026 (HUD), up to $1,278,300 for a four-unit property.
What counts as a jumbo loan in Whatcom County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Whatcom County in 2026.
What are the HUD income limits in Whatcom County?
For a family of four (FY2026): low income $95,350, very low income $59,600, extremely low income $35,750; area median family income $123,300.
What is the fair market rent in Whatcom County?
$1,872 a month for a two-bedroom unit in FY2027 (HUD), $1,529 for one bedroom.