2026 Conforming Loan Limits by County in Washington
In 2026, 3 of Washington's 39 counties have conforming loan limits above the national baseline of $832,750 for a one-unit home, up to $1,063,750. The other 36 use the baseline.
Washington county limits
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Adams County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Asotin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Benton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chelan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clallam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cowlitz County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Douglas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ferry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Garfield County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grant County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grays Harbor County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Island County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| King County High-cost | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 |
| Kitsap County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kittitas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Klickitat County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lewis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mason County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Okanogan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pacific County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pend Oreille County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pierce County High-cost | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 |
| San Juan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Skagit County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Skamania County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Snohomish County High-cost | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 |
| Spokane County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stevens County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Thurston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wahkiakum County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Walla Walla County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Whatcom County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Whitman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yakima County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
What these limits mean
A conforming loan is one that meets Fannie Mae and Freddie Mac's size limit and guidelines, so they can buy it from the lender.
A loan at or below $832,750 for one unit is a standard conforming loan. In a high-cost county, a loan above that up to the county limit is a high-balance conforming loan. Above the county limit, it's a jumbo loan.
Jumbo loans follow each lender's own guidelines and usually need a larger down payment, more cash in reserve and stricter qualifying.
Washington counties with their own page
Other states
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.