FHA Loan Limits in Thurston County, Washington (2026)
From Thurston County, FHA buyers in Thurston 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 |
Every community in Thurston County — Thurston County — shares the same 2026 FHA limits shown above, which differ from those in adjacent King and Snohomish Counties.
What can you buy with FHA in Thurston County?
Homes around Thurston County carry an estimated local median near $520,000, so an FHA buyer in Thurston County puts down about $18,200 (3.5%). With Washington's 0.92% effective property-tax rate, the all-in payment runs near $3,889 a month — comfortable on household income around $151,000, above Washington's $90,325 median household income, so budget carefully.
FHA payment scenarios in Thurston County
Here is what an FHA payment looks like at three Thurston County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $374,000 | $13,090 | $2,830 |
| Local median — $520,000 | $18,200 | $3,889 |
| At the FHA limit — $541,287 | $18,945 | $4,043 |
Estimates include FHA MIP plus Washington property taxes and insurance. Rates move daily near Thurston County too — get notified.
Buyers across Thurston County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,200 down payment near Thurston County into little out of pocket.
Multi-unit FHA limits in Thurston County
Looking at a duplex or fourplex near Thurston County? FHA allows up to $692,997 on two units and $1,041,072 on four in Thurston 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 Thurston County for 2026?
- In Thurston County (Thurston 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 Thurston County with FHA?
- For a median-priced ($520,000) Thurston County home, plan on income around $151,000 at a 31% housing ratio — about $3,889/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Thurston County?
- 3.5% with a 580+ score — roughly $18,200 on a $520,000 Thurston County-area home. Gift funds are allowed.
- Is Thurston County a high-cost FHA area?
- No — Thurston County uses the $541,287 national floor for one unit.