FHA Loan Limits in Mason County, Washington (2026)
In Mason County — anchored by Mason County — the 2026 FHA loan limit for a single-family home 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 Mason County to the edges of Mason County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby King and Snohomish Counties.
Affording a home in Mason County & Mason County
Homes around Mason County carry an estimated local median near $637,000, so an FHA buyer in Mason 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 Mason County
Here is what an FHA payment looks like at three Mason County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $459,000 | $16,065 | $3,447 |
| 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 Mason County too — get notified.
First-time buyers make up much of FHA activity in Mason County and across Mason 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 Mason County home.
Multi-unit FHA limits in Mason County
Looking at a duplex or fourplex near Mason County? FHA allows up to $692,997 on two units and $1,041,072 on four in Mason 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 Mason County for 2026?
- In Mason County (Mason 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 Mason County with FHA?
- For a median-priced ($541,287) Mason 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 Mason County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Mason County-area home. Gift funds are allowed.
- Is Mason County a high-cost FHA area?
- No — Mason County uses the $541,287 national floor for one unit.