What Is the FHA Loan Limit in San Juan County?

The 2026 FHA one-unit cap in San Juan County is $680,800. Two-unit is $871,550, three-unit is $1,053,500, and four-unit is $1,309,250. Limits are set by county. The property address picks the county when a ZIP lists more than one.

Are USDA Loans Available in San Juan County?

USDA property eligibility is the street address, not the county. San Juan County is not scored as eligible or ineligible as a whole. Enter a ZIP on the property eligibility map, then confirm a specific address with a lender.

What Is the USDA Income Limit in San Juan County?

USDA 502 Guaranteed 1–4 person moderate income in San Juan County is $130,100. The 5–8 person figure is $171,750. Enter a ZIP to confirm the figure for a specific area.

Does a County Decide USDA Property Eligibility?

No. USDA scores the property address. This page lists FHA 1–4 unit caps and USDA 502 Guaranteed moderate income figures that appear in San Juan County. Income can split a county. Neither figure marks the county as USDA eligible or ineligible.

FHA Loan Limits and USDA Eligibility in San Juan County, Washington

2026 FHA one-unit limit in San Juan County is $680,800. Two-unit is $871,550, three-unit is $1,053,500, and four-unit is $1,309,250. USDA 502 Guaranteed 1–4 person moderate income is $130,100. Enter a ZIP on the maps. USDA scores the property address, not the county.

2026 FHA Loan Limits Map for Washington

Washington one-unit limits: —

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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+

USDA Property Eligibility and Income Limits Map for Washington

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EligibleIneligibleUSDA ineligible boundary

San Juan County FHA Loan Limits and USDA Income

FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.

ZIP	FHA one-unit loan limit	USDA 1–4 person moderate income
98222	$680,800	$130,100
98243	$680,800	$130,100
98245	$680,800	$130,100
98250	$680,800	$130,100
98261	$680,800	$130,100
98279	$680,800	$130,100
98280	$680,800	$130,100
98286	$680,800	$130,100
98297	$680,800	$130,100

Connect with a lender to confirm FHA loan limits, USDA income limits, and a specific San Juan County address. Only a lender can confirm official program requirements.

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Loan Options in San Juan County

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific San Juan County address. Then they can match you if you qualify.

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Washington FHA limits and USDA eligibility FHA loan limits map USDA property eligibility map USDA income limits map FHA loan program USDA loan program