FHA Loan Limits in Snohomish County, Washington (2026)
Buying in Snohomish County or elsewhere in Snohomish County? The 2026 FHA single-family limit across the county is $1,037,800. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,037,800 |
| Two-unit (duplex) | $1,328,671 |
| Three-unit (triplex) | $1,606,144 |
| Four-unit (fourplex) | $1,996,028 |
Every community in Snohomish County — Snohomish County — shares the same 2026 FHA limits shown above, which differ from those in adjacent King and Pierce Counties.
FHA affordability around Snohomish County
With Snohomish County's median sale price estimated near $720,000 (think Snohomish County), the FHA down payment is roughly $25,200. Factoring Washington property taxes near 0.92%, expect about $5,340 monthly, pointing to income near $207,000 — above Washington's $90,325 median household income, so budget carefully.
FHA payment scenarios in Snohomish County
Whether you are buying in Snohomish County or a smaller Snohomish 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 — $518,000 | $18,130 | $3,875 |
| Local median — $720,000 | $25,200 | $5,340 |
| At the FHA limit — $1,037,800 | $36,323 | $7,645 |
Estimates include FHA MIP plus Washington property taxes and insurance. Rates move daily near Snohomish County too — get notified.
Buyers across Snohomish County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $25,200 down payment near Snohomish County into little out of pocket.
Multi-unit FHA limits in Snohomish County
Investors and house-hackers in Snohomish County and across Snohomish County can finance 2-4 unit homes with FHA at just 3.5% down: $1,328,671 for a duplex, $1,606,144 for a triplex, and $1,996,028 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Snohomish County for 2026?
- In Snohomish County (Snohomish County), the 2026 FHA limit is $1,037,800 for one unit, $1,328,671 for a duplex, $1,606,144 for a triplex, and $1,996,028 for a fourplex.
- What income do I need to buy in Snohomish County with FHA?
- For a median-priced ($720,000) Snohomish County home, plan on income around $207,000 at a 31% housing ratio — about $5,340/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Snohomish County?
- 3.5% with a 580+ score — roughly $25,200 on a $720,000 Snohomish County-area home. Gift funds are allowed.
- Is Snohomish County a high-cost FHA area?
- Yes — Snohomish County's $1,037,800 one-unit limit tops the $541,287 national floor.