FHA Loan Limits in Benton County, Washington (2026)
Buying in Benton County or elsewhere in Benton County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Pacific Northwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Benton County, from Benton County outward, and sit alongside the limits set for neighboring King and Snohomish Counties.
FHA affordability around Benton County
An FHA buyer near Benton County faces an estimated $430,000 median, a $15,050 down payment, and — after Washington's 0.92% property tax — a monthly cost around $3,236. That suits household income of roughly $125,000, above Washington's $90,325 median household income, so budget carefully.
FHA payment scenarios in Benton County
Here is what an FHA payment looks like at three Benton County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $310,000 | $10,850 | $2,366 |
| Local median — $430,000 | $15,050 | $3,236 |
| At the FHA limit — $541,287 | $18,945 | $4,043 |
Estimates include FHA MIP plus Washington property taxes and insurance. Rates move daily near Benton County too — get notified.
In Benton County and the surrounding Benton County market, FHA's appeal is the math: $15,050 down on a $430,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Benton County
Looking at a duplex or fourplex near Benton County? FHA allows up to $692,997 on two units and $1,041,072 on four in Benton County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Benton County for 2026?
- In Benton County (Benton County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Benton County with FHA?
- For a median-priced ($430,000) Benton County home, plan on income around $125,000 at a 31% housing ratio — about $3,236/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Benton County?
- 3.5% with a 580+ score — roughly $15,050 on a $430,000 Benton County-area home. Gift funds are allowed.
- Is Benton County a high-cost FHA area?
- No — Benton County uses the $541,287 national floor for one unit.