FHA Loan Limits in Cowlitz County, Washington (2026)
In Cowlitz County — anchored by Cowlitz County — the 2026 FHA loan limit for a single-family home 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 Cowlitz County — Cowlitz County — shares the same 2026 FHA limits shown above, which differ from those in adjacent King and Snohomish Counties.
Affording a home in Cowlitz County & Cowlitz County
With Cowlitz County's median sale price estimated near $566,000 (think Cowlitz 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 Cowlitz County
FHA payments across Cowlitz County price points — from entry homes near Cowlitz County to the county's FHA limit (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 Cowlitz County too — get notified.
Buyers across Cowlitz County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,945 down payment near Cowlitz County into little out of pocket.
Multi-unit FHA limits in Cowlitz County
Cowlitz County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Cowlitz County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Cowlitz County for 2026?
- In Cowlitz County (Cowlitz 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 Cowlitz County with FHA?
- For a median-priced ($541,287) Cowlitz 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 Cowlitz County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Cowlitz County-area home. Gift funds are allowed.
- Is Cowlitz County a high-cost FHA area?
- No — Cowlitz County uses the $541,287 national floor for one unit.