FHA Loan Limits in Clark County, Washington (2026)
From Clark County, FHA buyers in Clark 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 |
From Clark County to the edges of Clark County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby King and Snohomish Counties.
What can you buy with FHA in Clark County?
With Clark County's median sale price estimated near $560,000 (think Clark County), the FHA down payment is roughly $18,945. Factoring Washington property taxes near 0.92%, expect about $4,043 monthly, pointing to income near $157,000 — above Washington's $90,325 median household income, so budget carefully.
FHA payment scenarios in Clark County
Here is what an FHA payment looks like at three Clark County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $403,000 | $14,105 | $3,040 |
| 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 Clark County too — get notified.
First-time buyers make up much of FHA activity in Clark County and across Clark County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,945 needed on a median Clark County home.
Multi-unit FHA limits in Clark County
Looking at a duplex or fourplex near Clark County? FHA allows up to $692,997 on two units and $1,041,072 on four in Clark 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 Clark County for 2026?
- In Clark County (Clark 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 Clark County with FHA?
- For a median-priced ($541,287) Clark 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 Clark County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Clark County-area home. Gift funds are allowed.
- Is Clark County a high-cost FHA area?
- No — Clark County uses the $541,287 national floor for one unit.