FHA Loan Limits in Island County, Washington (2026)
From Island County, FHA buyers in Island 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 |
Every community in Island County — Island County — shares the same 2026 FHA limits shown above, which differ from those in adjacent King and Snohomish Counties.
What can you buy with FHA in Island County?
An FHA buyer near Island County faces an estimated $619,000 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 Island County
Whether you are buying in Island County or a smaller Island 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 — $446,000 | $15,610 | $3,352 |
| 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 Island County too — get notified.
Buyers across Island County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,945 down payment near Island County into little out of pocket.
Multi-unit FHA limits in Island County
Investors and house-hackers in Island County and across Island 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 Island County for 2026?
- In Island County (Island 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 Island County with FHA?
- For a median-priced ($541,287) Island 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 Island County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Island County-area home. Gift funds are allowed.
- Is Island County a high-cost FHA area?
- No — Island County uses the $541,287 national floor for one unit.