FHA Loan Limits and USDA Eligibility in Washington
2026 FHA one-unit limits in Washington range from $541,287 to $1,063,750. About 74% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $179,050. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Washington
USDA Property Eligibility and Income Limits Map for Washington
Washington FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Adams County | $541,287 | $128,650 |
| Asotin County | $541,287 | $122,800 |
| Benton County | $541,287 | $128,650 |
| Chelan County | $586,500 | $128,650 |
| Clallam County | $541,287 | $128,650 |
| Clark County | $701,500 | $147,550 |
| Columbia County | $541,287 | $128,650 |
| Cowlitz County | $541,287 | $128,650 |
| Douglas County | $586,500 | $128,650 |
| Ferry County | $541,287 | $128,650 |
| Franklin County | $541,287 | $128,650 |
| Garfield County | $541,287 | $128,650 |
| Grant County | $541,287 | $128,650 |
| Grays Harbor County | $541,287 | $128,650 |
| Island County | $671,600 | $128,650 |
| Jefferson County | $541,287 | $128,650 |
| King County | $1,063,750 | $179,050 |
| Kitsap County | $616,400 | $149,050 |
| Kittitas County | $541,287 | $128,650 |
| Klickitat County | $541,287 | $128,650 |
| Lewis County | $541,287 | $128,650 |
| Lincoln County | $541,287 | $128,650 |
| Mason County | $541,287 | $128,650 |
| Okanogan County | $541,287 | $128,650 |
| Pacific County | $541,287 | $128,650 |
| Pend Oreille County | $541,287 | $128,650 |
| Pierce County | $1,063,750 | $146,400 |
| San Juan County | $680,800 | $130,100 |
| Skagit County | $621,000 | $138,200 |
| Skamania County | $701,500 | $147,550 |
| Snohomish County | $1,063,750 | $179,050 |
| Spokane County | $541,287 | $128,650 |
| Stevens County | $541,287 | $128,650 |
| Thurston County | $586,500 | $141,250 |
| Wahkiakum County | $541,287 | $128,650 |
| Walla Walla County | $541,287 | $128,650 |
| Whatcom County | $664,700 | $137,050 |
| Whitman County | $579,600 | $128,650 |
| Yakima County | $541,287 | $128,650 |
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