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FHA loan limits for 2021 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 2021 FHA loan limits for all counties in Washington State, and for all property types. They were increased from 2020 to 2021, in response to rising home prices.

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Washington State FHA Loan Limits 2021

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$356,362$456,275$551,500$685,400
ASOTIN$356,362$456,275$551,500$685,400
BENTON$356,362$456,275$551,500$685,400
CHELAN$371,450$475,500$574,800$714,350
CLALLAM$384,100$491,700$594,350$738,650
CLARK$517,500$662,500$800,800$995,200
COLUMBIA$356,362$456,275$551,500$685,400
COWLITZ$356,362$456,275$551,500$685,400
DOUGLAS$371,450$475,500$574,800$714,350
FERRY$356,362$456,275$551,500$685,400
FRANKLIN$356,362$456,275$551,500$685,400
GARFIELD$356,362$456,275$551,500$685,400
GRANT$356,362$456,275$551,500$685,400
GRAYS HARBOR$356,362$456,275$551,500$685,400
ISLAND$431,250$552,050$667,350$829,350
JEFFERSON$356,362$456,275$551,500$685,400
KING$776,250$993,750$1,201,200$1,492,800
KITSAP$435,850$557,950$674,450$838,200
KITTITAS$356,362$456,275$551,500$685,400
KLICKITAT$356,362$456,275$551,500$685,400
LEWIS$356,362$456,275$551,500$685,400
LINCOLN$356,362$456,275$551,500$685,400
MASON$356,362$456,275$551,500$685,400
OKANOGAN$356,362$456,275$551,500$685,400
PACIFIC$356,362$456,275$551,500$685,400
PEND OREILLE$356,362$456,275$551,500$685,400
PIERCE$776,250$993,750$1,201,200$1,492,800
SAN JUAN$497,950$637,450$770,550$957,600
SKAGIT$405,950$519,700$628,200$780,650
SKAMANIA$517,500$662,500$800,800$995,200
SNOHOMISH$776,250$993,750$1,201,200$1,492,800
SPOKANE$356,362$456,275$551,500$685,400
STEVENS$356,362$456,275$551,500$685,400
THURSTON$405,950$519,700$628,200$780,650
WAHKIAKUM$356,362$456,275$551,500$685,400
WALLA WALLA$356,362$456,275$551,500$685,400
WHATCOM$442,750$566,800$685,100$851,450
WHITMAN$356,362$456,275$551,500$685,400
YAKIMA$356,362$456,275$551,500$685,400

View WA State Mortgage Rates Jan, 24, Sun, 2021

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 2020 to 2021 with FHA loan limits in Washington State.

In December 2020, the HUD announced that it would be increasing Washington FHA loan limits for 2021.

These changes are a direct response to the significant home-price gains that occurred during 2020. 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 11.3% from December 2019 to December 2020 to $451,082, according to Zillow. That’s about the same as the national average. As a result, FHA loan limits for Washington State has gone up for 2021.

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 2021, 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?

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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