Washington conforming loan limits 2026
Washington has 39 counties. 3 of them sit on a figure above the $832,750 baseline, spread over 1 distinct figure; the highest in the state is $1,063,750.
3 of its 39 counties qualify for a high-cost figure above the $832,750 baseline. For 2026, the figure moved in 39 of its 39 counties and 0 stayed the same.
Washington ranks 34th of 56 jurisdictions by county count, and 18th by highest limit. Of its counties, 29 sit inside a metropolitan or micropolitan area, across 23 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
Figures used in Washington
- $1,063,750 — 3 counties in Washington
All counties in Washington
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Adams County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Asotin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Benton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Chelan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clallam County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clark County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Columbia County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cowlitz County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Douglas County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ferry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Franklin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Garfield County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grant County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grays Harbor County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Island County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jefferson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| King County | $1,063,750 | $1,037,300 | $977,500 | +2.5% | 3 in all |
| Kitsap County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kittitas County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Klickitat County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lewis County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lincoln County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mason County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Okanogan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pacific County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pend Oreille County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pierce County | $1,063,750 | $1,037,300 | $977,500 | +2.5% | 3 in all |
| San Juan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Skagit County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Skamania County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Snohomish County | $1,063,750 | $1,037,300 | $977,500 | +2.5% | 3 in all |
| Spokane County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Stevens County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Thurston County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wahkiakum County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Walla Walla County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Whatcom County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Whitman County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Yakima County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of Washington use the baseline conforming loan limit?
No. 3 of 39 counties are above the $832,750 baseline, and the state's highest limit is $1,063,750.
What counts as a jumbo loan in Washington?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.