FHA Loan Limits in Yakima County, Washington (2026)
In Yakima County — anchored by Yakima 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 |
These 2026 limits apply throughout Yakima County, from Yakima County outward, and sit alongside the limits set for neighboring King and Snohomish Counties.
Affording a home in Yakima County & Yakima County
With Yakima County's median sale price estimated near $330,000 (think Yakima County), the FHA down payment is roughly $11,550. Factoring Washington property taxes near 0.92%, expect about $2,511 monthly, pointing to income near $97,000 — above Washington's $90,325 median household income, so budget carefully.
FHA payment scenarios in Yakima County
Here is what an FHA payment looks like at three Yakima County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $238,000 | $8,330 | $1,843 |
| Local median — $330,000 | $11,550 | $2,511 |
| At the FHA limit — $541,287 | $18,945 | $4,043 |
Estimates include FHA MIP plus Washington property taxes and insurance. Rates move daily near Yakima County too — get notified.
In Yakima County and the surrounding Yakima County market, FHA's appeal is the math: $11,550 down on a $330,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Yakima County
Looking at a duplex or fourplex near Yakima County? FHA allows up to $692,997 on two units and $1,041,072 on four in Yakima 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 Yakima County for 2026?
- In Yakima County (Yakima 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 Yakima County with FHA?
- For a median-priced ($330,000) Yakima County home, plan on income around $97,000 at a 31% housing ratio — about $2,511/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Yakima County?
- 3.5% with a 580+ score — roughly $11,550 on a $330,000 Yakima County-area home. Gift funds are allowed.
- Is Yakima County a high-cost FHA area?
- No — Yakima County uses the $541,287 national floor for one unit.