Washington State FHA Loan Limits for 2023

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FHA loan limits for 2023 for Washington state have recently been released. What are these new numbers, and how do they affect you?

Washington State FHA loan limits are established by the Department of Housing and Urban Development (HUD) and revised every year. Below, you will find the 2023 FHA loan limits for all counties in Washington State, and for all property types. They were increased from 2022 to 2023, in response to rising home prices, and range from $472,030 to a staggering $977,500.

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Washington State FHA Loan Limits 2023

Note: In the table below, “one-family” refers to a single-family home or condo. Two-family refers to a duplex-style property with two separate residents, and so on.

If you’re buying a single-family home to serve as your primary residence, refer to the one-family column below.

County Name1 Unit2 Units3 Units4 Units
ADAMS$472,030$604,400$730,525$907,900
ASOTIN$472,030$604,400$730,525$907,900
BENTON$472,030$604,400$730,525$907,900
CHELAN$506,000$647,750$783,000$973,100
CLALLAM$472,030$604,400$730,525$907,900
CLARK$672,750$861,250$1,041,050$1,293,750
COLUMBIA$472,030$604,400$730,525$907,900
COWLITZ$472,030$604,400$730,525$907,900
DOUGLAS$506,000$647,750$783,000$973,100
FERRY$472,030$604,400$730,525$907,900
FRANKLIN$472,030$604,400$730,525$907,900
GARFIELD$472,030$604,400$730,525$907,900
GRANT$472,030$604,400$730,525$907,900
GRAYS HARBOR$472,030$604,400$730,525$907,900
ISLAND$575,000$736,100$889,800$1,105,800
JEFFERSON$472,030$604,400$730,525$907,900
KING$977,500$1,251,400$1,512,650$1,879,850
KITSAP$563,500$721,400$872,000$1,083,650
KITTITAS$472,030$604,400$730,525$907,900
KLICKITAT$472,030$604,400$730,525$907,900
LEWIS$472,030$604,400$730,525$907,900
LINCOLN$472,030$604,400$730,525$907,900
MASON$472,030$604,400$730,525$907,900
OKANOGAN$472,030$604,400$730,525$907,900
PACIFIC$472,030$604,400$730,525$907,900
PEND OREILLE$472,030$604,400$730,525$907,900
PIERCE$977,500$1,251,400$1,512,650$1,879,850
SAN JUAN$497,950$637,450$770,550$957,600
SKAGIT$545,100$697,800$843,500$1,048,300
SKAMANIA$672,750$861,250$1,041,050$1,293,750
SNOHOMISH$977,500$1,251,400$1,512,650$1,879,850
SPOKANE$472,030$604,400$730,525$907,900
STEVENS$472,030$604,400$730,525$907,900
THURSTON$546,250$699,300$845,300$1,050,500
WAHKIAKUM$472,030$604,400$730,525$907,900
WALLA WALLA$472,030$604,400$730,525$907,900
WHATCOM$603,750$772,900$934,250$1,161,050
WHITMAN$472,030$604,400$730,525$907,900
YAKIMA$472,030$604,400$730,525$907,900

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Rising Home Prices Bring Higher Limits

Each year, the Department of Housing and Urban Development reviews the FHA loan limits for counties across the country and compares them to median home prices. Sometimes the limits are increased from one year to the next, to keep up with home price appreciation. That’s what happened from 2022 to 2023 with FHA loan limits in Washington State.

In December 2022, the HUD announced that it would be increasing Washington FHA loan limits for 2023.

These changes are a direct response to the significant home-price gains that occurred during 2022. In Washington State, house values have risen steadily in recent years. According to the real estate information company Zillow, the median home price for the state rose by 11% from December 2021 to December 2022 to $610,121, according to Zillow. As a result, FHA loan limits for Washington State has gone up for 2023.

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

Want to Apply for the Program?

The Federal Housing Administration’s loan program offers unique benefits, including a low down payment of only 3.5%. This Washington FHA loan program is particularly popular with first-time home buyers who lack the funds for a larger down payment (though it’s not limited to that group).

If you’re in the market for an FHA home loan in 2023, or if you just have questions regarding FHA loan limits in Washington, please contact us today. We can help you choose the right type of loan for your particular needs.

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Need a Mortgage?

At Sammamish Mortgage, we offer a wide variety of mortgage programs and tools with flexible qualification criteria, including our Diamond Homebuyer ProgramCash 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.

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