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2026 Washington loan limits by county
Washington has 39 counties in the 2026 FHFA list. The highest one-unit conforming limit is $1,063,750 in Snohomish County; the state median is $832,750. 3 of 39 are above the $832,750 national baseline. 25 sit at the 2026 FHA floor of $541,287.
- 39Counties listed
- $1,063,750Highest 1-unit conformingSnohomish County
- $832,750Median 1-unit conforming
- 25At FHA floorof 39
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Adams County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Asotin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Benton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chelan County | $832,750 | +$26,250 (+3.3%) | $586,500 | $1,601,750 |
| Clallam County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clark County | $832,750 | +$26,250 (+3.3%) | $701,500 | $1,601,750 |
| Columbia County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cowlitz County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Douglas County | $832,750 | +$26,250 (+3.3%) | $586,500 | $1,601,750 |
| Ferry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Franklin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Garfield County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grant County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grays Harbor County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Island County | $832,750 | +$26,250 (+3.3%) | $671,600 | $1,601,750 |
| Jefferson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| King County | $1,063,750 | +$26,450 (+2.5%) | $1,063,750 | $2,045,700 |
| Kitsap County | $832,750 | +$26,250 (+3.3%) | $616,400 | $1,601,750 |
| Kittitas County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Klickitat County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lewis County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lincoln County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mason County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Okanogan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pacific County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pend Oreille County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pierce County | $1,063,750 | +$26,450 (+2.5%) | $1,063,750 | $2,045,700 |
| San Juan County | $832,750 | +$26,250 (+3.3%) | $680,800 | $1,601,750 |
| Skagit County | $832,750 | +$26,250 (+3.3%) | $621,000 | $1,601,750 |
| Skamania County | $832,750 | +$26,250 (+3.3%) | $701,500 | $1,601,750 |
| Snohomish County | $1,063,750 | +$26,450 (+2.5%) | $1,063,750 | $2,045,700 |
| Spokane County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Stevens County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Thurston County | $832,750 | +$26,250 (+3.3%) | $586,500 | $1,601,750 |
| Wahkiakum County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Walla Walla County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Whatcom County | $832,750 | +$26,250 (+3.3%) | $664,700 | $1,601,750 |
| Whitman County | $832,750 | +$26,250 (+3.3%) | $579,600 | $1,601,750 |
| Yakima County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.