Loan Limits / Washington
2026 Loan Limits · WA
Washington loan limits.
All 39 counties in Washington with their 2026 conforming and FHA loan limits. Click a county for full multi-unit limits and context.
39 counties
1-unit limits shown · click for full detail| County | Median Price | GSE 1u | GSE Class | FHA 1u | FHA Class |
|---|---|---|---|---|---|
| Adams | $290,000 | $832,750 | Standard | $541,287 | Standard |
| Asotin | $357,000 | $832,750 | Standard | $541,287 | Standard |
| Benton | $425,000 | $832,750 | Standard | $541,287 | Standard |
| Chelan | $510,000 | $832,750 | Standard | $586,500 | High-cost |
| Clallam | $435,000 | $832,750 | Standard | $541,287 | Standard |
| Clark | $610,000 | $832,750 | Standard | $701,500 | High-cost |
| Columbia | $245,000 | $832,750 | Standard | $541,287 | Standard |
| Cowlitz | $390,000 | $832,750 | Standard | $541,287 | Standard |
| Douglas | $510,000 | $832,750 | Standard | $586,500 | High-cost |
| Ferry | $125,000 | $832,750 | Standard | $541,287 | Standard |
| Franklin | $425,000 | $832,750 | Standard | $541,287 | Standard |
| Garfield | $279,000 | $832,750 | Standard | $541,287 | Standard |
| Grant | $330,000 | $832,750 | Standard | $541,287 | Standard |
| Grays Harbor | $301,000 | $832,750 | Standard | $541,287 | Standard |
| Island | $584,000 | $832,750 | Standard | $671,600 | High-cost |
| Jefferson | $117,000 | $832,750 | Standard | $541,287 | Standard |
| King | $925,000 | $1,063,750 | High-cost | $1,063,750 | High-cost |
| Kitsap | $536,000 | $832,750 | Standard | $616,400 | High-cost |
| Kittitas | $440,000 | $832,750 | Standard | $541,287 | Standard |
| Klickitat | $285,000 | $832,750 | Standard | $541,287 | Standard |
| Lewis | $375,000 | $832,750 | Standard | $541,287 | Standard |
| Lincoln | $380,000 | $832,750 | Standard | $541,287 | Standard |
| Mason | $355,000 | $832,750 | Standard | $541,287 | Standard |
| Okanogan | $245,000 | $832,750 | Standard | $541,287 | Standard |
| Pacific | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Pend Oreille | $308,000 | $832,750 | Standard | $541,287 | Standard |
| Pierce | $925,000 | $1,063,750 | High-cost | $1,063,750 | High-cost |
| San Juan | $592,000 | $832,750 | Standard | $680,800 | High-cost |
| Skagit | $540,000 | $832,750 | Standard | $621,000 | High-cost |
| Skamania | $610,000 | $832,750 | Standard | $701,500 | High-cost |
| Snohomish | $925,000 | $1,063,750 | High-cost | $1,063,750 | High-cost |
| Spokane | $413,000 | $832,750 | Standard | $541,287 | Standard |
| Stevens | $413,000 | $832,750 | Standard | $541,287 | Standard |
| Thurston | $510,000 | $832,750 | Standard | $586,500 | High-cost |
| Wahkiakum | $204,000 | $832,750 | Standard | $541,287 | Standard |
| Walla Walla | $422,000 | $832,750 | Standard | $541,287 | Standard |
| Whatcom | $578,000 | $832,750 | Standard | $664,700 | High-cost |
| Whitman | $450,000 | $832,750 | Standard | $579,600 | High-cost |
| Yakima | $330,000 | $832,750 | Standard | $541,287 | Standard |
Washington at a glance
39 counties indexed. 14 are designated high-cost by HUD or FHFA. The highest GSE 1-unit limit in Washington is $1,063,750 in King County.
Loan amount above the conforming limit for your county? You're in jumbo territory. Below the FHA ceiling? FHA financing is on the table. We can run the numbers for any property in Washington.