Washington State Conforming Loan Limits in 2022

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This page includes the 2022 conforming loan limits for all Washington State counties, with some additional commentary about how and why these caps are set. Home loans that exceed the maximum amounts shown below are considered “jumbo” mortgages.

At a glance: The current single-family conforming loan limit for most counties in Washington State is $647,200 (an increase over the 2021 cap of $548,250 ). In the more expensive Seattle-area counties of King, Pierce, and Snohomish, the single-family loan limit has been increased to $891,250 for 2022.

2022 Conforming Loan Limits for Washington State

The table below shows conforming loan limits for all Washington counties, and for all four property types. Note: a “1-unit” property is a single-family home with one resident. The “2-unit” column applies to duplex-style properties with two separate residents, and so on. If you’re buying a single-family home or condo in Washington State, refer to the “1-unit” conforming loan limit column.

County1-Unit2-Units3-Units4-Units
ADAMS$647,200$828,700$1,001,650$1,244,850
ASOTIN$647,200$828,700$1,001,650$1,244,850
BENTON$647,200$828,700$1,001,650$1,244,850
CHELAN$647,200$828,700$1,001,650$1,244,850
CLALLAM$647,200$828,700$1,001,650$1,244,850
CLARK$647,200$828,700$1,001,650$1,244,850
COLUMBIA$647,200$828,700$1,001,650$1,244,850
COWLITZ$647,200$828,700$1,001,650$1,244,850
DOUGLAS$647,200$828,700$1,001,650$1,244,850
FERRY$647,200$828,700$1,001,650$1,244,850
FRANKLIN$647,200$828,700$1,001,650$1,244,850
GARFIELD$647,200$828,700$1,001,650$1,244,850
GRANT$647,200$828,700$1,001,650$1,244,850
GRAYS HARBOR$647,200$828,700$1,001,650$1,244,850
ISLAND$647,200$828,700$1,001,650$1,244,850
JEFFERSON$647,200$828,700$1,001,650$1,244,850
KING$891,250$1,140,950$1,379,150$1,713,950
KITSAP$647,200$828,700$1,001,650$1,244,850
KITTITAS$647,200$828,700$1,001,650$1,244,850
KLICKITAT$647,200$828,700$1,001,650$1,244,850
LEWIS$647,200$828,700$1,001,650$1,244,850
LINCOLN$647,200$828,700$1,001,650$1,244,850
MASON$647,200$828,700$1,001,650$1,244,850
OKANOGAN$647,200$828,700$1,001,650$1,244,850
PACIFIC$647,200$828,700$1,001,650$1,244,850
PEND OREILLE COUNTY$647,200$828,700$1,001,650$1,244,850
PIERCE$891,250$1,140,950$1,379,150$1,713,950
SAN JUAN$647,200$828,700$1,001,650$1,244,850
SKAGIT$647,200$828,700$1,001,650$1,244,850
SKAMANIA$647,200$828,700$1,001,650$1,244,850
SNOHOMISH$891,250$1,140,950$1,379,150$1,713,950
SPOKANE$647,200$828,700$1,001,650$1,244,850
STEVENS$647,200$828,700$1,001,650$1,244,850
THURSTON$647,200$828,700$1,001,650$1,244,850
WAHKIAKUM$647,200$828,700$1,001,650$1,244,850
WALLA WALLA$647,200$828,700$1,001,650$1,244,850
WHATCOM$647,200$828,700$1,001,650$1,244,850
WHITMAN$647,200$828,700$1,001,650$1,244,850
YAKIMA$647,200$828,700$1,001,650$1,244,850

How These Limits Are Set

Washington State conforming loan limits are determined by the Federal Housing Finance Agency (FHFA). The Housing and Economic Recovery Act of 2008 (HERA) requires the FHFA to monitor and track average home prices in the U.S., and to annually adjust the baseline jumbo loan limit as needed to reflect changes in national home values.

In other words, if prices go up considerably in a certain county, FHFA may increase the corresponding loan limits to keep pace with rising home values. That’s what happened from 2020 to 2021. Conforming limits are usually set at 115% of the median home price for each area, though they can exceed this level in some high-cost areas.

The 2022 conforming limit for most counties in Washington State is $647,200. The three exceptions to this baseline amount are King, Pierce, Snohomish counties. (See the table above for county-by-county details.)

In recent years, FHFA has used the median home values estimated by the Federal Housing Administration (FHA), which is part of HUD. So there are several federal housing agencies involved in determining loan limits.

Check out our mortgage loan limit tool for conventional, FHA, and VA loans.

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Why They Were Increased for 2022

We predicted that federal housing officials would increase the Seattle jumbo loan threshold in response to significant home-price gains that occurred during the year. That prediction turned out to be accurate. In fact, the FHFA raised limits across most of the country.

According to a recent news release from FHFA:

“The Federal Housing Finance Agency (FHFA) today announced the conforming loan limits (CLLs) for mortgages to be acquired by Fannie Mae and Freddie Mac (the Enterprises) in 2022. In most of the U.S., the 2022 CLL for one-unit properties will be $647,200, an increase of $98,950 from $548,250 in 2021.”

So the vast majority of counties across the U.S. will see higher caps in 2022, compared to 2022. Home prices nationally rose by an average of around 19.2% during 2021. In Washington, the median house value rose by around 22.8%. That is why we are seeing higher Washington State conforming loan limits in 2022.

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Have Questions About Mortgages in Washington?

If you’re wondering about the eligibility requirements to get a home loan in Washington State, we can help. Sammamish Mortgage offers a variety of mortgage programs for home buyers and homeowners in Washington State, including FHA, VA and conventional, and have been in the business since 1992. We can answer any questions you have about qualifying for a mortgage. We can also give you a rate quote based on the type of loan you need. Call us today to get the process started!

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