The Federal Housing Administration (FHA) updates its loan limits annually to reflect changes in housing costs, helping homebuyers secure affordable financing with low down payments. For 2025, Washington State’s FHA loan limits range from $524,225 to $1,037,300 for a single-family home, depending on the county. Whether you’re a first-time buyer or relocating, understanding these limits can guide your homebuying journey. Below, we outline the 2025 FHA loan limits for all 39 counties in Washington State, including Kitsap County, and explain what they mean for you.

2025 Washington State FHA Loan Limits – All Counties

Washington State’s FHA loan limits vary by county due to differences in median home prices. High-cost counties like King, Pierce, and Snohomish have higher limits to accommodate their pricier markets, while most other counties are at the national FHA floor of $524,225 for a 1-unit property. Kitsap County has a slightly higher limit of $575,000 for a 1-unit property, reflecting its housing market dynamics near the Seattle metro area.

Adams County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Asotin County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Benton County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Clallam County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Columbia County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Cowlitz County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Ferry County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Franklin County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Garfield County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Grant County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Grays Harbor County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Jefferson County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

King County
1-Unit Limit: $1,037,300
2-Unit Limit: $1,327,950
3-Unit Limit: $1,605,200
4-Unit Limit: $1,994,850 

Kitsap County
1-Unit Limit: $575,000
2-Unit Limit: $736,300
3-Unit Limit: $889,950
4-Unit Limit: $1,105,800 

Kittitas County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Klickitat County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Lewis County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Lincoln County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Mason County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Okanogan County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Pacific County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Pend Oreille County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Pierce County
1-Unit Limit: $1,037,300
2-Unit Limit: $1,327,950
3-Unit Limit: $1,605,200
4-Unit Limit: $1,994,850 

San Juan County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Skagit County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Skamania County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Snohomish County
1-Unit Limit: $1,037,300
2-Unit Limit: $1,327,950
3-Unit Limit: $1,605,200
4-Unit Limit: $1,994,850 

Spokane County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Stevens County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Thurston County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Wahkiakum County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Walla Walla County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Whatcom County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Whitman County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Yakima County
1-Unit Limit: $524,225
2-Unit Limit: $671,200
3-Unit Limit: $811,275
4-Unit Limit: $1,008,300 

Why Do FHA Loan Limits Vary?

FHA loan limits are set at 115% of the median home price in each county, subject to a national floor ($524,225) and ceiling ($1,209,750) for a 1-unit property in 2025. In Washington, high-cost counties like King, Pierce, and Snohomish reach $1,037,300 due to median home prices often exceeding $800,000. Kitsap County’s limit of $575,000 reflects its position as a mid-tier market—higher than rural areas but below Seattle’s metro core. Most other counties remain at the floor, as their median prices are closer to $400,000–$500,000.

Impact on Washington Homebuyers

These limits determine the maximum FHA loan amount you can borrow in each county. For example:

• In Kitsap County, with a 1-unit limit of $575,000, you can finance a home up to this amount with a 3.5% down payment (if your credit score is 580+). Since Kitsap’s median home price is around $550,000, this limit covers most properties, though you may need a larger down payment for pricier homes.
• In King County, the $1,037,300 limit accommodates the expensive Seattle market, where homes often cost $900,000+.

If the home price exceeds your county’s limit, you’ll need to cover the difference or explore other loan options like conventional or jumbo loans.

Multi-Family Properties

FHA loans support 2- to 4-unit properties, which can be a great way to house hack—live in one unit and rent out the others. Limits for multi-family properties are higher:

• In Kitsap County, a 4-unit property can be financed up to $1,105,800.
• In King, Pierce, and Snohomish, the 4-unit limit is $1,994,850, offering significant borrowing power for investment properties in high-cost areas.

Ready to Buy in Washington State?

The 2025 FHA loan limits provide flexibility for Washington homebuyers, whether you’re in Kitsap County or the Seattle metro area. With a low down payment and lenient credit requirements, FHA loans are ideal for first-time buyers or those with moderate incomes. Contact me today to check your eligibility and start your homebuying journey!