Washington loan limits 2026
3 of 39 counties in Washington are high-cost areas with a conforming limit above the $832,750 baseline — the highest is $1,063,750 in 3 counties, including King County, Snohomish County, Pierce County. Click a county for FHA limits, income limits and rents.
Conforming loan limit by county
All counties
| King County | $1,063,750 | +2.5% | $1,063,750 | $925,000 | $2,549 |
| Pierce County | $1,063,750 | +2.5% | $1,063,750 | $925,000 | $2,064 |
| Snohomish County | $1,063,750 | +2.5% | $1,063,750 | $925,000 | $2,549 |
| Adams County | $832,750 | +3.3% | $541,287 | $290,000 | $1,262 |
| Asotin County | $832,750 | +3.3% | $541,287 | $357,000 | $1,234 |
| Benton County | $832,750 | +3.3% | $541,287 | $425,000 | $1,487 |
| Chelan County | $832,750 | +3.3% | $586,500 | $510,000 | $1,467 |
| Clallam County | $832,750 | +3.3% | $541,287 | $435,000 | $1,429 |
| Clark County | $832,750 | +3.3% | $701,500 | $610,000 | $1,878 |
| Columbia County | $832,750 | +3.3% | $541,287 | $245,000 | $1,190 |
| Cowlitz County | $832,750 | +3.3% | $541,287 | $390,000 | $1,398 |
| Douglas County | $832,750 | +3.3% | $586,500 | $510,000 | $1,467 |
| Ferry County | $832,750 | +3.3% | $541,287 | $125,000 | $1,058 |
| Franklin County | $832,750 | +3.3% | $541,287 | $425,000 | $1,487 |
| Garfield County | $832,750 | +3.3% | $541,287 | $279,000 | $1,143 |
| Grant County | $832,750 | +3.3% | $541,287 | $330,000 | $1,361 |
| Grays Harbor County | $832,750 | +3.3% | $541,287 | $301,000 | $1,345 |
| Island County | $832,750 | +3.3% | $671,600 | $584,000 | $1,824 |
| Jefferson County | $832,750 | +3.3% | $541,287 | $117,000 | $1,588 |
| Kitsap County | $832,750 | +3.3% | $616,400 | $536,000 | $1,967 |
| Kittitas County | $832,750 | +3.3% | $541,287 | $440,000 | $1,655 |
| Klickitat County | $832,750 | +3.3% | $541,287 | $285,000 | $1,447 |
| Lewis County | $832,750 | +3.3% | $541,287 | $375,000 | $1,435 |
| Lincoln County | $832,750 | +3.3% | $541,287 | $380,000 | $1,091 |
| Mason County | $832,750 | +3.3% | $541,287 | $355,000 | $1,572 |
| Okanogan County | $832,750 | +3.3% | $541,287 | $245,000 | $1,202 |
| Pacific County | $832,750 | +3.3% | $541,287 | $280,000 | $1,282 |
| Pend Oreille County | $832,750 | +3.3% | $541,287 | $308,000 | $1,298 |
| San Juan County | $832,750 | +3.3% | $680,800 | $592,000 | $2,022 |
| Skagit County | $832,750 | +3.3% | $621,000 | $540,000 | $1,668 |
| Skamania County | $832,750 | +3.3% | $701,500 | $610,000 | $1,878 |
| Spokane County | $832,750 | +3.3% | $541,287 | $413,000 | $1,494 |
| Stevens County | $832,750 | +3.3% | $541,287 | $413,000 | $1,121 |
| Thurston County | $832,750 | +3.3% | $586,500 | $510,000 | $1,946 |
| Wahkiakum County | $832,750 | +3.3% | $541,287 | $204,000 | $1,183 |
| Walla Walla County | $832,750 | +3.3% | $541,287 | $422,000 | $1,561 |
| Whatcom County | $832,750 | +3.3% | $664,700 | $578,000 | $1,872 |
| Whitman County | $832,750 | +3.3% | $579,600 | $450,000 | $1,269 |
| Yakima County | $832,750 | +3.3% | $541,287 | $330,000 | $1,313 |
Click a column to sort. 2-BR rent = HUD fair market rent FY2027.
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 Washington for 2026?
$832,750 in most counties; 3 high-cost counties have higher limits, up to $1,063,750 in King County.
What is the FHA loan limit in Washington?
From $541,287 to $1,063,750 for a single-family home in 2026, depending on the county.