FHA Loan Limits in Pierce County, Washington (2026)
Buying in Pierce County or elsewhere in Pierce County? The 2026 FHA single-family limit across the county is $977,500. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $977,500 |
| Two-unit (duplex) | $1,251,470 |
| Three-unit (triplex) | $1,512,821 |
| Four-unit (fourplex) | $1,880,051 |
These 2026 limits apply throughout Pierce County, from Pierce County outward, and sit alongside the limits set for neighboring King and Snohomish Counties.
FHA affordability around Pierce County
An FHA buyer near Pierce County faces an estimated $540,000 median, a $18,900 down payment, and — after Washington's 0.92% property tax — a monthly cost around $4,034. That suits household income of roughly $156,000, above Washington's $90,325 median household income, so budget carefully.
FHA payment scenarios in Pierce County
FHA payments across Pierce County price points — from entry homes near Pierce County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $389,000 | $13,615 | $2,939 |
| Local median — $540,000 | $18,900 | $4,034 |
| At the FHA limit — $977,500 | $34,213 | $7,208 |
Estimates include FHA MIP plus Washington property taxes and insurance. Rates move daily near Pierce County too — get notified.
In Pierce County and the surrounding Pierce County market, FHA's appeal is the math: $18,900 down on a $540,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Pierce County
Pierce County's 2026 multi-unit FHA limits reach $1,251,470 (duplex), $1,512,821 (triplex), and $1,880,051 (fourplex) — so a buyer in Pierce County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Pierce County for 2026?
- In Pierce County (Pierce County), the 2026 FHA limit is $977,500 for one unit, $1,251,470 for a duplex, $1,512,821 for a triplex, and $1,880,051 for a fourplex.
- What income do I need to buy in Pierce County with FHA?
- For a median-priced ($540,000) Pierce County home, plan on income around $156,000 at a 31% housing ratio — about $4,034/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pierce County?
- 3.5% with a 580+ score — roughly $18,900 on a $540,000 Pierce County-area home. Gift funds are allowed.
- Is Pierce County a high-cost FHA area?
- Yes — Pierce County's $977,500 one-unit limit tops the $541,287 national floor.