FHA Loan Limits in Clallam County, Washington (2026)
Buying in Clallam County or elsewhere in Clallam 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 |
Every community in Clallam County — Clallam County — shares the same 2026 FHA limits shown above, which differ from those in adjacent King and Snohomish Counties.
FHA affordability around Clallam County
An FHA buyer near Clallam County faces an estimated $566,000 median, a $18,945 down payment, and — after Washington's 0.92% property tax — a monthly cost around $4,043. That suits household income of roughly $157,000, above Washington's $90,325 median household income, so budget carefully.
FHA payment scenarios in Clallam County
Whether you are buying in Clallam County or a smaller Clallam County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $408,000 | $14,280 | $3,077 |
| 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 Clallam County too — get notified.
Buyers across Clallam County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,945 down payment near Clallam County into little out of pocket.
Multi-unit FHA limits in Clallam County
Investors and house-hackers in Clallam County and across Clallam County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Clallam County for 2026?
- In Clallam County (Clallam 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 Clallam County with FHA?
- For a median-priced ($541,287) Clallam 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 Clallam County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Clallam County-area home. Gift funds are allowed.
- Is Clallam County a high-cost FHA area?
- No — Clallam County uses the $541,287 national floor for one unit.