2026 limits · 39 counties
Washington 2026 loan limits for duplexes, triplexes and fourplexes
In Washington, the 2026 FHA limit for a fourplex runs from $1,041,125 to $2,045,700. 25 of 39 counties sit at the national floor; the highest is King County, Pierce County, Snohomish County. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is $1,601,750 for a fourplex in most of the state and up to $2,045,700 in 3 high-cost counties.
Every county in Washington
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.
| County | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Adams County Othello, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Asotin County Lewiston, ID-WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Benton County Kennewick-Richland, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chelan County high-cost Wenatchee-East Wenatchee, WA | $750,800 | $907,550 | $1,127,900 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clallam County Port Angeles, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clark County high-cost Portland-Vancouver-Hillsboro, OR-WA | $898,050 | $1,085,550 | $1,349,050 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbia County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cowlitz County Longview-Kelso, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Douglas County high-cost Wenatchee-East Wenatchee, WA | $750,800 | $907,550 | $1,127,900 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ferry County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County Kennewick-Richland, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Garfield County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grant County Moses Lake, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grays Harbor County Aberdeen, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Island County high-cost Oak Harbor, WA | $859,750 | $1,039,250 | $1,291,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County Port Townsend, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| King County high-cost Seattle-Tacoma-Bellevue, WA | $1,361,800 | $1,646,100 | $2,045,700 | $1,361,800 | $1,646,100 | $2,045,700 |
| Kitsap County high-cost Bremerton-Silverdale-Port Orchard, WA | $789,100 | $953,850 | $1,185,400 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kittitas County Ellensburg, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Klickitat County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lewis County Centralia, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mason County Shelton, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Okanogan County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pacific County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pend Oreille County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pierce County high-cost Seattle-Tacoma-Bellevue, WA | $1,361,800 | $1,646,100 | $2,045,700 | $1,361,800 | $1,646,100 | $2,045,700 |
| San Juan County high-cost | $871,550 | $1,053,500 | $1,309,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Skagit County high-cost Mount Vernon-Anacortes, WA | $795,000 | $960,950 | $1,194,250 | $1,066,250 | $1,288,800 | $1,601,750 |
| Skamania County high-cost Portland-Vancouver-Hillsboro, OR-WA | $898,050 | $1,085,550 | $1,349,050 | $1,066,250 | $1,288,800 | $1,601,750 |
| Snohomish County high-cost Seattle-Tacoma-Bellevue, WA | $1,361,800 | $1,646,100 | $2,045,700 | $1,361,800 | $1,646,100 | $2,045,700 |
| Spokane County Spokane-Spokane Valley, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stevens County Spokane-Spokane Valley, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Thurston County high-cost Olympia-Lacey-Tumwater, WA | $750,800 | $907,550 | $1,127,900 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wahkiakum County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Walla Walla County Walla Walla, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Whatcom County high-cost Bellingham, WA | $850,950 | $1,028,600 | $1,278,300 | $1,066,250 | $1,288,800 | $1,601,750 |
| Whitman County high-cost Pullman, WA | $742,000 | $896,900 | $1,114,650 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yakima County Yakima, WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| 25 counties at the floor | $718,186 | $868,082 | $1,078,886 |
| King County | $1,411,191 | $1,705,803 | $2,119,896 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.
VA and conventional in Washington
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 to $1,063,750 in Washington. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.