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What is Seattle’s conforming loan limit in 2026?
Conventional loan limits for the Seattle metro area will increase in 2026, much like what they have been doing over the past few years with increasing housing prices.
Federal housing officials have decided to increase the loan limit in 2026 to $1,063,750.
Home prices across the Seattle metro area have increased slightly over the past few years. Accordingly, the conforming loan limit has been increased for 2026.
By the end of 2025, the median home value for King County was around $844,364. But it was a bit lower within Seattle at $840,957.
Because of high house prices in and around Seattle, the conforming loan limits for the area for 2026 will increase.
Explainer: These limits are what separate a normal or “conforming” mortgage loan from a jumbo. A conforming loan can be sold to Freddie Mac and Fannie Mae, securitized, and resold to investors. A jumbo loan, on the other hand, cannot be sold into that market. Qualification requirements are sometimes stricter for those borrowers who are seeking a jumbo loan, due to the amount being borrowed.
Loan limits are established by federal housing agencies and are largely based on the median home values within each county. And when those house prices rise considerably over the course of a year, housing officials often increase the loan limits to keep up. That’s something we’ve traditionally seen in Seattle. However, things are a bit different this year
The median home value for King County, Washington was $844,364 at the end of 2025, according to Zillow, as already mentioned. The median price within the city of Seattle was $840,957.
In response, the 2026 conforming loan limit for the county and metro area was increased to $1,063,750.
Check out our mortgage loan limit tool for conventional, FHA, and VA loans, as well as the 2026 conforming loan limits for Washington State.
As mentioned earlier, it’s possible to borrow more than the conforming loan limit for a particular county. This is referred to as a jumbo mortgage.
As of 2026, a conventional home loan in the Seattle area that exceeds the $1,063,750 limit is considered to be a jumbo loan. And with house values as high as they are right now, there are likely more borrowers seeking this level of financing today.
If you’re in the market to buy a home in Seattle, Sammamish Mortgage is available to help. 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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