2023 FHA Loan Limits for Counties in Washington State
FHA loans are limited to certain amounts that reflect the type of property, its location, and the nationwide conforming loan limit.
To help you plan, we’ve compiled all the FHA limits in Washington State, followed by a quick explanation of exactly where these figures come from.
Disclaimer: We strive to keep this table up to date, but FHA loan limits can change at any time without prior notice. Before making any financial decisions, consult with a mortgage expert or refer to the HUD website for up-to-the-minute amounts.
Washington FHA Loan Limits by Country & Property Type
| County Name | MSA Name | One-Family | Two-Family | Three-Family | Four-Family | Median Sale Price | Last Revised | Limit Year |
|---|---|---|---|---|---|---|---|---|
| Adams | Othello, WA | $472,030 | $604,400 | $730,525 | $907,900 | $277,000 | 01/01/2023 | CY2023 |
| Asotin | Lewiston, ID-WA | $472,030 | $604,400 | $730,525 | $907,900 | $310,000 | 01/01/2023 | CY2023 |
| Benton | Kennewick-Richland, WA | $472,030 | $604,400 | $730,525 | $907,900 | $400,000 | 01/01/2023 | CY2023 |
| Chelan | Wenatchee, WA | $506,000 | $647,750 | $783,000 | $973,100 | $440,000 | 01/01/2023 | CY2023 |
| Clallam | Port Angeles, WA | $472,030 | $604,400 | $730,525 | $907,900 | $386,000 | 01/01/2023 | CY2023 |
| Clark | Portland-Vancouver-Hillsboro, OR-WA | $672,750 | $861,250 | $1,041,050 | $1,293,750 | $585,000 | 01/01/2023 | CY2023 |
| Columbia | Non-Metro | $472,030 | $604,400 | $730,525 | $907,900 | $210,000 | 01/01/2023 | CY2023 |
| Cowlitz | Longview, WA | $472,030 | $604,400 | $730,525 | $907,900 | $364,000 | 01/01/2023 | CY2023 |
| Douglas | Wenatchee, WA | $506,000 | $647,750 | $783,000 | $973,100 | $440,000 | 01/01/2023 | CY2023 |
| Ferry | Non-Metro | $472,030 | $604,400 | $730,525 | $907,900 | $138,000 | 01/01/2023 | CY2023 |
| Franklin | Kennewick-Richland, WA | $472,030 | $604,400 | $730,525 | $907,900 | $400,000 | 01/01/2023 | CY2023 |
| Garfield | Non-Metro | $472,030 | $604,400 | $730,525 | $907,900 | $246,000 | 01/01/2023 | CY2023 |
| Grant | Moses Lake, WA | $472,030 | $604,400 | $730,525 | $907,900 | $300,000 | 01/01/2023 | CY2023 |
| Grays Harbor | Aberdeen, WA | $472,030 | $604,400 | $730,525 | $907,900 | $274,000 | 01/01/2023 | CY2023 |
| Island | Oak Harbor, WA | $575,000 | $736,100 | $889,800 | $1,105,800 | $500,000 | 01/01/2023 | CY2023 |
| Jefferson | Non-Metro | $472,030 | $604,400 | $730,525 | $907,900 | $180,000 | 01/01/2023 | CY2023 |
| King | Seattle-Tacoma-Bellevue, WA | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 | $850,000 | 01/01/2023 | CY2023 |
| Kitsap | Bremerton-Silverdale-Port Orchard, WA | $563,500 | $721,400 | $872,000 | $1,083,650 | $490,000 | 01/01/2023 | CY2023 |
| Kittitas | Ellensburg, WA | $474,950 | $608,000 | $734,950 | $913,350 | $413,000 | 01/01/2023 | CY2023 |
| Klickitat | Non-Metro | $472,030 | $604,400 | $730,525 | $907,900 | $250,000 | 01/01/2023 | CY2023 |
| Lewis | Centralia, WA | $472,030 | $604,400 | $730,525 | $907,900 | $344,000 | 01/01/2023 | CY2023 |
| Lincoln | Non-Metro | $472,030 | $604,400 | $730,525 | $907,900 | $279,000 | 01/01/2023 | CY2023 |
| Mason | Shelton, WA | $472,030 | $604,400 | $730,525 | $907,900 | $330,000 | 01/01/2023 | CY2023 |
| Okanogan | Non-Metro | $472,030 | $604,400 | $730,525 | $907,900 | $240,000 | 01/01/2023 | CY2023 |
| Pacific | Non-Metro | $472,030 | $604,400 | $730,525 | $907,900 | $230,000 | 01/01/2023 | CY2023 |
| Pend Oreille | Non-Metro | $472,030 | $604,400 | $730,525 | $907,900 | $95,000 | 01/01/2023 | CY2023 |
| Pierce | Seattle-Tacoma-Bellevue, WA | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 | $850,000 | 01/01/2023 | CY2023 |
| San Juan | Non-Metro | $497,950 | $637,450 | $770,550 | $957,600 | $129,000 | 01/01/2020 | CY2023 |
| Skagit | Mount Vernon-Anacortes, WA | $545,100 | $697,800 | $843,500 | $1,048,300 | $474,000 | 01/01/2023 | CY2023 |
| Skamania | Portland-Vancouver-Hillsboro, OR-WA | $672,750 | $861,250 | $1,041,050 | $1,293,750 | $585,000 | 01/01/2023 | CY2023 |
| Snohomish | Seattle-Tacoma-Bellevue, WA | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 | $850,000 | 01/01/2023 | CY2023 |
| Spokane | Spokane-Spokane Valley, WA | $472,030 | $604,400 | $730,525 | $907,900 | $383,000 | 01/01/2023 | CY2023 |
| Stevens | Spokane-Spokane Valley, WA | $472,030 | $604,400 | $730,525 | $907,900 | $383,000 | 01/01/2023 | CY2023 |
| Thurston | Olympia-Lacey-Tumwater, WA | $546,250 | $699,300 | $845,300 | $1,050,500 | $475,000 | 01/01/2023 | CY2023 |
| Wahkiakum | Non-Metro | $472,030 | $604,400 | $730,525 | $907,900 | $290,000 | 01/01/2023 | CY2023 |
| Walla Walla | Walla Walla, WA | $472,030 | $604,400 | $730,525 | $907,900 | $394,000 | 01/01/2023 | CY2023 |
| Whatcom | Bellingham, WA | $603,750 | $772,900 | $934,250 | $1,161,050 | $525,000 | 01/01/2023 | CY2023 |
| Whitman | Pullman, WA | $472,030 | $604,400 | $730,525 | $907,900 | $372,000 | 01/01/2023 | CY2023 |
| Yakima | Yakima, WA | $472,030 | $604,400 | $730,525 | $907,900 | $310,000 | 01/01/2023 | CY2023 |
Source: https://www.hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits
What Determines FHA Loan Limits?
First, the Federal Housing Finance Agency (FHFA) sets a limit for “conforming loans.” These are conventional mortgages via Fannie Mae and Freddie Mac.
Then, the FHA sets its nationwide “floor” and “ceiling” to 65% and 150% of the FHFA limit, respectively.
Finally, the FHA sets it loan limit to 115% of each county’s median house price, but never less than the floor nor more than the ceiling.
In other words, limits are local, but still subject to the FHFA’s absolute limit.
All the above are updated every year. In principle, Congress could also pass new laws that would change these limits at any time.
There are quite a few figures and federal agencies to keep track of, but the only number that matters is the limit for your property type in your county.
