2026 loan limits in Washington
3 of Washington’s 39 counties are high-cost areas with conforming limits above the $832,750 baseline. The rest use the national limits.
One-unit limits by county
| 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 |
More for Washington
Limits for 2026 from HUD’s county files; conforming limits are set by the Federal Housing Finance Agency.