FHA Loan Limits in Walla Walla County, Washington (2026)
In Walla Walla County — anchored by Walla Walla 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 Walla Walla County to the edges of Walla Walla County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby King and Snohomish Counties.
Affording a home in Walla Walla County & Walla Walla County
With Walla Walla County's median sale price estimated near $589,000 (think Walla Walla County), the FHA down payment is roughly $18,945. Factoring Washington property taxes near 0.92%, expect about $4,043 monthly, pointing to income near $157,000 — above Washington's $90,325 median household income, so budget carefully.
FHA payment scenarios in Walla Walla County
Here is what an FHA payment looks like at three Walla Walla County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $424,000 | $14,840 | $3,193 |
| 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 Walla Walla County too — get notified.
First-time buyers make up much of FHA activity in Walla Walla County and across Walla Walla 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 Walla Walla County home.
Multi-unit FHA limits in Walla Walla County
Looking at a duplex or fourplex near Walla Walla County? FHA allows up to $692,997 on two units and $1,041,072 on four in Walla Walla 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 Walla Walla County for 2026?
- In Walla Walla County (Walla Walla 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 Walla Walla County with FHA?
- For a median-priced ($541,287) Walla Walla 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 Walla Walla County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Walla Walla County-area home. Gift funds are allowed.
- Is Walla Walla County a high-cost FHA area?
- No — Walla Walla County uses the $541,287 national floor for one unit.