FHA Loan Limits in Chelan County, Washington (2026)
From Chelan County, FHA buyers in Chelan County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Chelan County, from Chelan County outward, and sit alongside the limits set for neighboring King and Snohomish Counties.
What can you buy with FHA in Chelan County?
Homes around Chelan County carry an estimated local median near $589,000, so an FHA buyer in Chelan County puts down about $18,945 (3.5%). With Washington's 0.92% effective property-tax rate, the all-in payment runs near $4,043 a month — comfortable on household income around $157,000, above Washington's $90,325 median household income, so budget carefully.
FHA payment scenarios in Chelan County
Here is what an FHA payment looks like at three Chelan County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $424,000 | $14,840 | $3,193 |
| Local median — $541,287 | $18,945 | $4,043 |
| At the FHA limit — $541,287 | $18,945 | $4,043 |
Estimates include FHA MIP plus Washington property taxes and insurance. Rates move daily near Chelan County too — get notified.
In Chelan County and the surrounding Chelan County market, FHA's appeal is the math: $18,945 down on a $541,287 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Chelan County
Looking at a duplex or fourplex near Chelan County? FHA allows up to $692,997 on two units and $1,041,072 on four in Chelan 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 Chelan County for 2026?
- In Chelan County (Chelan 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 Chelan County with FHA?
- For a median-priced ($541,287) Chelan County home, plan on income around $157,000 at a 31% housing ratio — about $4,043/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Chelan County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Chelan County-area home. Gift funds are allowed.
- Is Chelan County a high-cost FHA area?
- No — Chelan County uses the $541,287 national floor for one unit.