FHA Loan Limits in King County, Washington (2026)
King County and the rest of King County, Washington fall under a 2026 one-unit FHA limit of $1,037,800. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,037,800 |
| Two-unit (duplex) | $1,328,671 |
| Three-unit (triplex) | $1,606,144 |
| Four-unit (fourplex) | $1,996,028 |
Every community in King County — King County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Snohomish and Pierce Counties.
How much home can you afford in King County?
An FHA buyer near King County faces an estimated $860,000 median, a $30,100 down payment, and — after Washington's 0.92% property tax — a monthly cost around $6,356. That suits household income of roughly $246,000, above Washington's $90,325 median household income, so budget carefully.
FHA payment scenarios in King County
Here is what an FHA payment looks like at three King County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $619,000 | $21,665 | $4,607 |
| Local median — $860,000 | $30,100 | $6,356 |
| At the FHA limit — $1,037,800 | $36,323 | $7,645 |
Estimates include FHA MIP plus Washington property taxes and insurance. Rates move daily near King County too — get notified.
Buyers across King County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $30,100 down payment near King County into little out of pocket.
Multi-unit FHA limits in King County
Looking at a duplex or fourplex near King County? FHA allows up to $1,328,671 on two units and $1,996,028 on four in King 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 King County for 2026?
- In King County (King County), the 2026 FHA limit is $1,037,800 for one unit, $1,328,671 for a duplex, $1,606,144 for a triplex, and $1,996,028 for a fourplex.
- What income do I need to buy in King County with FHA?
- For a median-priced ($860,000) King County home, plan on income around $246,000 at a 31% housing ratio — about $6,356/month including taxes, insurance, and MIP.
- How much is the FHA down payment in King County?
- 3.5% with a 580+ score — roughly $30,100 on a $860,000 King County-area home. Gift funds are allowed.
- Is King County a high-cost FHA area?
- Yes — King County's $1,037,800 one-unit limit tops the $541,287 national floor.