2026 conforming loan limits
2026 conforming loan limits in Washington
Washington has 39 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for Washington is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $1,063,750.
Every county/equivalent in Washington
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Adams County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Asotin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Benton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Chelan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clallam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Columbia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cowlitz County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Douglas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ferry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Garfield County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Grant County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Grays Harbor County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Island County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| King County | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 | High-cost area |
| Kitsap County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kittitas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Klickitat County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lewis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mason County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Okanogan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pacific County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pend Oreille County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pierce County | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 | High-cost area |
| San Juan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Skagit County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Skamania County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Snohomish County | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 | High-cost area |
| Spokane County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Stevens County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Thurston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wahkiakum County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Walla Walla County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Whatcom County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Whitman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Yakima County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to Washington (WA).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for Washington: 39. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
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