2026 conforming loan limits · Washington
Washington has 2 distinct one-unit conforming limits, from $832,750 to $1,063,750. 3 of 39 counties sit above the $832,750 baseline that applies here.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Washington at a glance
| Metric | Value |
|---|---|
| Counties | 39 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $1,063,750 |
| Distinct one-unit limits | 2 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 3 of 39 (7.7%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
How Washington splits
| FHFA position | Counties | Share | Lowest | Highest |
|---|---|---|---|---|
| At the baseline | 36 | 92.3% | $832,750 | $832,750 |
| Above baseline, below ceiling | 3 | 7.7% | $1,063,750 | $1,063,750 |
Highest limits in Washington: King County ($1,063,750), Pierce County ($1,063,750), Snohomish County ($1,063,750), Adams County ($832,750), Asotin County ($832,750).
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Adams County | OTHELLO, WA | $832,750 | $541,287 | $291,463 |
| Asotin County | LEWISTON, ID-WA | $832,750 | $541,287 | $291,463 |
| Benton County | KENNEWICK-RICHLAND, WA | $832,750 | $541,287 | $291,463 |
| Chelan County | WENATCHEE-EAST WENATCHEE, WA | $832,750 | $586,500 | $246,250 |
| Clallam County | PORT ANGELES, WA | $832,750 | $541,287 | $291,463 |
| Clark County | PORTLAND-VANCOUVER-HILLSBORO, OR-WA | $832,750 | $701,500 | $131,250 |
| Columbia County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cowlitz County | LONGVIEW-KELSO, WA | $832,750 | $541,287 | $291,463 |
| Douglas County | WENATCHEE-EAST WENATCHEE, WA | $832,750 | $586,500 | $246,250 |
| Ferry County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Franklin County | KENNEWICK-RICHLAND, WA | $832,750 | $541,287 | $291,463 |
| Garfield County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Grant County | MOSES LAKE, WA | $832,750 | $541,287 | $291,463 |
| Grays Harbor County | ABERDEEN, WA | $832,750 | $541,287 | $291,463 |
| Island County | OAK HARBOR, WA | $832,750 | $671,600 | $161,150 |
| Jefferson County | PORT TOWNSEND, WA | $832,750 | $541,287 | $291,463 |
| King County | SEATTLE-TACOMA-BELLEVUE, WA | $1,063,750 | $1,063,750 | $0 |
| Kitsap County | BREMERTON-SILVERDALE-PORT ORCHARD, WA | $832,750 | $616,400 | $216,350 |
| Kittitas County | ELLENSBURG, WA | $832,750 | $541,287 | $291,463 |
| Klickitat County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lewis County | CENTRALIA, WA | $832,750 | $541,287 | $291,463 |
| Lincoln County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Mason County | SHELTON, WA | $832,750 | $541,287 | $291,463 |
| Okanogan County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pacific County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pend Oreille County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pierce County | SEATTLE-TACOMA-BELLEVUE, WA | $1,063,750 | $1,063,750 | $0 |
| San Juan County | Rural / Non-metro | $832,750 | $680,800 | $151,950 |
| Skagit County | MOUNT VERNON-ANACORTES, WA | $832,750 | $621,000 | $211,750 |
| Skamania County | PORTLAND-VANCOUVER-HILLSBORO, OR-WA | $832,750 | $701,500 | $131,250 |
| Snohomish County | SEATTLE-TACOMA-BELLEVUE, WA | $1,063,750 | $1,063,750 | $0 |
| Spokane County | SPOKANE-SPOKANE VALLEY, WA | $832,750 | $541,287 | $291,463 |
| Stevens County | SPOKANE-SPOKANE VALLEY, WA | $832,750 | $541,287 | $291,463 |
| Thurston County | OLYMPIA-LACEY-TUMWATER, WA | $832,750 | $586,500 | $246,250 |
| Wahkiakum County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Walla Walla County | WALLA WALLA, WA | $832,750 | $541,287 | $291,463 |
| Whatcom County | BELLINGHAM, WA | $832,750 | $664,700 | $168,050 |
| Whitman County | PULLMAN, WA | $832,750 | $579,600 | $253,150 |
| Yakima County | YAKIMA, WA | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Adams County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Asotin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Benton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chelan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clallam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cowlitz County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Douglas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ferry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Garfield County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grant County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grays Harbor County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Island County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| King County | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 |
| Kitsap County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kittitas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Klickitat County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lewis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mason County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Okanogan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pacific County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pend Oreille County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pierce County | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 |
| San Juan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Skagit County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Skamania County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Snohomish County | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 |
| Spokane County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stevens County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Thurston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wahkiakum County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Walla Walla County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Whatcom County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Whitman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yakima County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)