FHA Loan Limits in Kitsap County, Washington (2026)
Buying in Kitsap County or elsewhere in Kitsap County? The 2026 FHA single-family limit across the county 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 |
From Kitsap County to the edges of Kitsap County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby King and Snohomish Counties.
FHA affordability around Kitsap County
Homes around Kitsap County carry an estimated local median near $560,000, so an FHA buyer in Kitsap County puts down about $18,945 (3.5%). With Washington's 0.92% effective property-tax rate, the all-in payment runs near $4,043 a month — comfortable on household income around $157,000, above Washington's $90,325 median household income, so budget carefully.
FHA payment scenarios in Kitsap County
Whether you are buying in Kitsap County or a smaller Kitsap 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 — $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 Kitsap County too — get notified.
First-time buyers make up much of FHA activity in Kitsap County and across Kitsap 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 Kitsap County home.
Multi-unit FHA limits in Kitsap County
Investors and house-hackers in Kitsap County and across Kitsap 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.
Stay Ahead of FHA Rule Changes
Rates move daily and FHA rules change often. We will tell you the moment something shifts.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Kitsap County for 2026?
- In Kitsap County (Kitsap 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 Kitsap County with FHA?
- For a median-priced ($541,287) Kitsap 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 Kitsap County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Kitsap County-area home. Gift funds are allowed.
- Is Kitsap County a high-cost FHA area?
- No — Kitsap County uses the $541,287 national floor for one unit.