FHA Loan Limits in Franklin County, Washington (2026)
Franklin County and the rest of Franklin County, Washington fall under a 2026 one-unit FHA limit of $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 Franklin County — Franklin County — shares the same 2026 FHA limits shown above, which differ from those in adjacent King and Snohomish Counties.
How much home can you afford in Franklin County?
With Franklin County's median sale price estimated near $625,000 (think Franklin 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 Franklin County
FHA payments across Franklin County price points — from entry homes near Franklin County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $450,000 | $15,750 | $3,381 |
| 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 Franklin County too — get notified.
Buyers across Franklin County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,945 down payment near Franklin County into little out of pocket.
Multi-unit FHA limits in Franklin County
Franklin County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Franklin 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 Franklin County for 2026?
- In Franklin County (Franklin 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 Franklin County with FHA?
- For a median-priced ($541,287) Franklin 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 Franklin County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Franklin County-area home. Gift funds are allowed.
- Is Franklin County a high-cost FHA area?
- No — Franklin County uses the $541,287 national floor for one unit.