FHA Loan Limits in Skagit County, Washington (2026)
From Skagit County, FHA buyers in Skagit County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Skagit County to the edges of Skagit County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby King and Snohomish Counties.
What can you buy with FHA in Skagit County?
An FHA buyer near Skagit County faces an estimated $684,000 median, a $18,945 down payment, and — after Washington's 0.92% property tax — a monthly cost around $4,043. That suits household income of roughly $157,000, above Washington's $90,325 median household income, so budget carefully.
FHA payment scenarios in Skagit County
FHA payments across Skagit County price points — from entry homes near Skagit County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $492,000 | $17,220 | $3,686 |
| 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 Skagit County too — get notified.
First-time buyers make up much of FHA activity in Skagit County and across Skagit 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 Skagit County home.
Multi-unit FHA limits in Skagit County
Skagit County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Skagit 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 Skagit County for 2026?
- In Skagit County (Skagit 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 Skagit County with FHA?
- For a median-priced ($541,287) Skagit 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 Skagit County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Skagit County-area home. Gift funds are allowed.
- Is Skagit County a high-cost FHA area?
- No — Skagit County uses the $541,287 national floor for one unit.