Stewardship Capital
The conforming and FHA loan limits for all 39 counties in Washington, effective for 2026. Conforming limits come from the Federal Housing Finance Agency, FHA limits from HUD.
Baseline conforming
$832,750
One unit, most counties
Highest in Washington
$1,063,750
King County
FHA range
$541,287 – $1,063,750
One unit, by county
3 of Washington's 39 counties are designated high-cost, which means the conforming limit there is above the national baseline. The highest in the state is King County at $1,063,750 for a one-unit home.
| County | Conforming | FHA |
|---|---|---|
| Adams County | $832,750 | $541,287 |
| Asotin County | $832,750 | $541,287 |
| Benton County | $832,750 | $541,287 |
| Chelan County | $832,750 | $586,500 |
| Clallam County | $832,750 | $541,287 |
| Clark County | $832,750 | $701,500 |
| Columbia County | $832,750 | $541,287 |
| Cowlitz County | $832,750 | $541,287 |
| Douglas County | $832,750 | $586,500 |
| Ferry County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Garfield County | $832,750 | $541,287 |
| Grant County | $832,750 | $541,287 |
| Grays Harbor County | $832,750 | $541,287 |
| Island County | $832,750 | $671,600 |
| Jefferson County | $832,750 | $541,287 |
| King County | $1,063,750 | $1,063,750 |
| Kitsap County | $832,750 | $616,400 |
| Kittitas County | $832,750 | $541,287 |
| Klickitat County | $832,750 | $541,287 |
| Lewis County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $541,287 |
| Mason County | $832,750 | $541,287 |
| Okanogan County | $832,750 | $541,287 |
| Pacific County | $832,750 | $541,287 |
| Pend Oreille County | $832,750 | $541,287 |
| Pierce County | $1,063,750 | $1,063,750 |
| San Juan County | $832,750 | $680,800 |
| Skagit County | $832,750 | $621,000 |
| Skamania County | $832,750 | $701,500 |
| Snohomish County | $1,063,750 | $1,063,750 |
| Spokane County | $832,750 | $541,287 |
| Stevens County | $832,750 | $541,287 |
| Thurston County | $832,750 | $586,500 |
| Wahkiakum County | $832,750 | $541,287 |
| Walla Walla County | $832,750 | $541,287 |
| Whatcom County | $832,750 | $664,700 |
| Whitman County | $832,750 | $579,600 |
| Yakima County | $832,750 | $541,287 |
Not sure which limit applies to your purchase? Stewardship Capital works with buyers and homeowners in Washington. Talk it through with Stephen.
The baseline conforming loan limit in Washington for 2026 is $832,750 for a one-unit home. In Washington's 3 high-cost counties it is higher, up to $1,063,750 in King County.
FHA loan limits in Washington range from $541,287 to $1,063,750 for a one-unit home, depending on the county. The national FHA floor is $541,287 and the ceiling is $1,249,125.
A high balance loan is a conforming loan in a county whose limit is above the national baseline of $832,750. It still follows Fannie Mae and Freddie Mac guidelines, so it is not a jumbo loan, though it usually prices a little differently.
A loan above the county's conforming limit is a jumbo loan. Jumbo loans are held by individual investors rather than bought by Fannie Mae or Freddie Mac, so the qualifying guidelines are set by each investor and tend to be stricter on credit, reserves and down payment.
Yes, and they are higher. Every county has four limits, one for each size of property from one unit up to four units. The figures on this page are the one-unit limits, which is what most buyers need.
About these numbers. Conforming limits are published each year by the Federal Housing Finance Agency and apply to loans bought by Fannie Mae and Freddie Mac. FHA limits are published by the U.S. Department of Housing and Urban Development. Both are effective for 2026. Limits are set by county and by the number of units, and they are not a quote, a commitment to lend or an offer of credit. Stephen Chakerian, NMLS #2193331 | Stewardship Capital, a team of Barrett Financial Group, L.L.C., NMLS #181106 | Equal Housing Opportunity.
