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For 2026, FHA loan limits in King County will increase as prices in the county have increased over the past year. In this article, we’ll discuss what the limits are for 2026, and what this means for your home buying process.
If you are planning to apply for an FHA loan to buy a home in King County, Washington in 2026, then you will want to know the maximum amount that you can borrow without your loan being considered a “jumbo loans.” Each year, the FHA loan limits tend to change in response to an increase in home prices. But this year for King County, the FHA loan limit for a single-family home will increase to $1,063,750 for 2026.
In early December 2025, the Department of Housing and Urban Development (HUD) announced that it would increase loan limits for FHA-insured home loans in most counties across the nation. These modifications were made as a result of home-price increases that took place in 2025. These loan limits will remain in effect for the duration of 2026.
The FHA loan limit for King County, Washington for a single-family home is $1,063,750 for 2026.
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| KING | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 |
In compliance with the National Housing Act, the Federal Housing Administration (FHA) calculates its loan limits based on the average home prices in each market across the country. Maximum loan sizes are typically established based on the metropolitan statistical area (MSA) level.
For this reason, the FHA loan limits are used for the entire Seattle metro area, including King, Pierce, and Snohomish Counties, as shown in the table below:
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| KING | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 |
| PIERCE | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 |
| SNOHOMISH | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 |
Loan limit increases from 2025 to 2026 are in response to increasing property values. According to real estate research company Zillow, the prices for homes across the country increased by 0.1% during 2025. In King County, home prices decreased 1.7% over the past year. Despite this, FHA loan limits for 2026 in King County have also increased.
As of December 2025, the median home price for King County was around $844,364. That’s well below the 1-unit FHA loan limit for the county. This is good news for homebuyers who use the FHA program, as it gives them plenty of properties to choose from and lots of wiggle room without going over the maximum loan size.
Here is a list of FHA limits for all counties in Washington State.
Check out our mortgage loan limit tool for conventional, FHA, and VA loans.
Are you planning to buy a home in King County, Washington sometime soon? Do you have questions about the FHA loan limits for 2021 or other facets of the program? We at Sammamish Mortgage are here to help.
At Sammamish Mortgage, we offer a wide variety of mortgage programs and tools with flexible qualification criteria, including our Diamond Homebuyer Program, Cash Buyer Program, and Bridge Loans. We have been serving the entire state since 1992, as well as the broader Pacific Northwest region that includes Washington, Oregon, Colorado, and Idaho. Please contact us today with any financing-related questions you have.
Whether you’re buying a home or ready to refinance, our professionals can help.
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