Washington Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 39 counties in Washington. FHA limits in this state range from $541,287 to $691,437, while conforming limits range from $832,750 to $1,063,750.
2026 Loan Limits by County in Washington
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Adams County | $541,287 | $832,750 | $273,300 |
| 2 | Asotin County | $541,287 | $832,750 | $325,600 |
| 3 | Benton County | $541,287 | $832,750 | $407,800 |
| 4 | Chelan County | $541,287 | $832,750 | $490,100 |
| 5 | Clallam County | $541,287 | $832,750 | $421,800 |
| 6 | Clark County | $541,287 | $832,750 | $522,900 |
| 7 | Columbia County | $541,287 | $832,750 | $271,200 |
| 8 | Cowlitz County | $541,287 | $832,750 | $397,500 |
| 9 | Douglas County | $541,287 | $832,750 | $432,500 |
| 10 | Ferry County | $541,287 | $832,750 | $283,400 |
| 11 | Franklin County | $541,287 | $832,750 | $379,300 |
| 12 | Garfield County | $541,287 | $832,750 | $239,200 |
| 13 | Grant County | $541,287 | $832,750 | $299,500 |
| 14 | Grays Harbor County | $541,287 | $832,750 | $314,000 |
| 15 | Island County | $541,287 | $832,750 | $593,300 |
| 16 | Jefferson County | $541,287 | $832,750 | $535,000 |
| 17 | King County | $691,437 | $1,063,750 | $859,900 |
| 18 | Kitsap County | $541,287 | $832,750 | $555,100 |
| 19 | Kittitas County | $541,287 | $832,750 | $497,400 |
| 20 | Klickitat County | $541,287 | $832,750 | $425,300 |
| 21 | Lewis County | $541,287 | $832,750 | $385,800 |
| 22 | Lincoln County | $541,287 | $832,750 | $292,800 |
| 23 | Mason County | $541,287 | $832,750 | $411,800 |
| 24 | Okanogan County | $541,287 | $832,750 | $299,800 |
| 25 | Pacific County | $541,287 | $832,750 | $334,800 |
| 26 | Pend Oreille County | $541,287 | $832,750 | $367,900 |
| 27 | Pierce County | $691,437 | $1,063,750 | $526,600 |
| 28 | San Juan County | $541,287 | $832,750 | $799,200 |
| 29 | Skagit County | $541,287 | $832,750 | $545,100 |
| 30 | Skamania County | $541,287 | $832,750 | $529,500 |
| 31 | Snohomish County | $691,437 | $1,063,750 | $696,000 |
| 32 | Spokane County | $541,287 | $832,750 | $410,700 |
| 33 | Stevens County | $541,287 | $832,750 | $350,600 |
| 34 | Thurston County | $541,287 | $832,750 | $480,300 |
| 35 | Wahkiakum County | $541,287 | $832,750 | $396,800 |
| 36 | Walla Walla County | $541,287 | $832,750 | $408,900 |
| 37 | Whatcom County | $541,287 | $832,750 | $585,800 |
| 38 | Whitman County | $541,287 | $832,750 | $359,600 |
| 39 | Yakima County | $541,287 | $832,750 | $310,100 |
About Washington's Mortgage Market
Washington has 39 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Washington range from $541,287 to $691,437 for a single-family home. Conforming limits range from $832,750 to $1,063,750.
Use our mortgage calculator to compute monthly payments using Washington-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Washington?
The highest 2026 FHA limit in Washington is $691,437 for a single-family home.
What is the maximum conforming loan limit in Washington?
The highest 2026 conforming loan limit in Washington is $1,063,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Washington?
Washington has 39 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.