FHA Loan Limits in Lewis County, Washington (2026)
Buying in Lewis County or elsewhere in Lewis 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 |
These 2026 limits apply throughout Lewis County, from Lewis County outward, and sit alongside the limits set for neighboring King and Snohomish Counties.
FHA affordability around Lewis County
With Lewis County's median sale price estimated near $524,000 (think Lewis County), the FHA down payment is roughly $18,340. Factoring Washington property taxes near 0.92%, expect about $3,918 monthly, pointing to income near $152,000 — above Washington's $90,325 median household income, so budget carefully.
FHA payment scenarios in Lewis County
Here is what an FHA payment looks like at three Lewis County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $377,000 | $13,195 | $2,852 |
| Local median — $524,000 | $18,340 | $3,918 |
| At the FHA limit — $541,287 | $18,945 | $4,043 |
Estimates include FHA MIP plus Washington property taxes and insurance. Rates move daily near Lewis County too — get notified.
In Lewis County and the surrounding Lewis County market, FHA's appeal is the math: $18,340 down on a $524,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Lewis County
Looking at a duplex or fourplex near Lewis County? FHA allows up to $692,997 on two units and $1,041,072 on four in Lewis County, with the same low 3.5% down for owner-occupants.
Get FHA Rate & Program Alerts
One quick signup and we keep you posted on FHA rate drops, new programs, and requirement changes.
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 Lewis County for 2026?
- In Lewis County (Lewis 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 Lewis County with FHA?
- For a median-priced ($524,000) Lewis County home, plan on income around $152,000 at a 31% housing ratio — about $3,918/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lewis County?
- 3.5% with a 580+ score — roughly $18,340 on a $524,000 Lewis County-area home. Gift funds are allowed.
- Is Lewis County a high-cost FHA area?
- No — Lewis County uses the $541,287 national floor for one unit.