Washington State FHA Loan Limits for 2022

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FHA loan limits for 2022 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 2022 FHA loan limits for all counties in Washington State, and for all property types. They were increased from 2021 to 2022, in response to rising home prices, and range from $420,680 to a staggering $891,250.

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Washington State FHA Loan Limits 2022

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$420,680$538,650$651,050$809,150
ASOTIN$420,680$538,650$651,050$809,150
BENTON$420,680$538,650$651,050$809,150
CHELAN$420,680$538,650$651,050$809,150
CLALLAM$420,680$538,650$651,050$809,150
CLARK$598,000$765,550$925,350$1,150,000
COLUMBIA$420,680$538,650$651,050$809,150
COWLITZ$420,680$538,650$651,050$809,150
DOUGLAS$420,680$538,650$651,050$809,150
FERRY$420,680$538,650$651,050$809,150
FRANKLIN$420,680$538,650$651,050$809,150
GARFIELD$420,680$538,650$651,050$809,150
GRANT$420,680$538,650$651,050$809,150
GRAYS HARBOR$420,680$538,650$651,050$809,150
ISLAND$511,750$655,150$791,900$984,150
JEFFERSON$420,680$538,650$651,050$809,150
KING$891,250$1,140,950$1,379,150$1,713,950
KITSAP$497,950$637,450$770,550$957,600
KITTITAS$420,680$538,650$651,050$809,150
KLICKITAT$420,680$538,650$651,050$809,150
LEWIS$420,680$538,650$651,050$809,150
LINCOLN$420,680$538,650$651,050$809,150
MASON$420,680$538,650$651,050$809,150
OKANOGAN$420,680$538,650$651,050$809,150
PACIFIC$420,680$538,650$651,050$809,150
PEND OREILLE$420,680$538,650$651,050$809,150
PIERCE$891,250$1,140,950$1,379,150$1,713,950
SAN JUAN$497,950$637,450$770,550$957,600
SKAGIT$473,800$606,550$733,150$911,150
SKAMANIA$598,000$765,550$925,350$1,150,000
SNOHOMISH$891,250$1,140,950$1,379,150$1,713,950
SPOKANE$420,680$538,650$651,050$809,150
STEVENS$420,680$538,650$651,050$809,150
THURSTON$477,250$610,950$738,500$917,800
WAHKIAKUM$420,680$538,650$651,050$809,150
WALLA WALLA$420,680$538,650$651,050$809,150
WHATCOM$514,050$658,050$795,450$988,550
WHITMAN$420,680$538,650$651,050$809,150
YAKIMA$420,680$538,650$651,050$809,150

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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 2021 to 2022 with FHA loan limits in Washington State.

In December 2021, the HUD announced that it would be increasing Washington FHA loan limits for 2022.

These changes are a direct response to the significant home-price gains that occurred during 2021. 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 22.8% from October 2020 to October 2021 to $555,943 according to Zillow. As a result, FHA loan limits for Washington State has gone up for 2022.

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 2022, 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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Sammamish Mortgage is a local mortgage company serving the broader Pacific Northwest region, including Washington state, Idaho, Colorado, and Oregon. We have been offering a wide variety of mortgage programs and products with flexible qualification criteria since 1992. Please contact us if you have any questions or are ready to apply for a home loan.

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