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FHA loan limits in Pierce County will increase for 2025 as a result of stagnant price gains in the county. We’ll discuss the limits for 2025, and what that means for you.
Do you plan to use an FHA loan to buy a home in Pierce County, Washington in 2025? The FHA loan limit for a single-family home purchased within the county is $1,037,300.
In early December 2024, the Department of Housing and Urban Development (HUD) announced that it would be raising loan limits for FHA-insured mortgages in all counties across the country. These changes were made in response to significant home-price increases that occurred in 2024, across much of the country.
This change will apply to FHA loans with case numbers assigned on or after January 1, 2025, and will remain in effect through the end of the year.
The single-family FHA loan limit for Pierce County, Washington is $1,037,300 in 2025.
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| PIERCE | $1,037,300 | $1,327,950 | $1,605,200 | $1,994,850 |
In accordance with the National Housing Act, the Federal Housing Administration calculates its mortgage limits based on median house prices. Maximum loan sizes are generally set at the metropolitan statistical area (MSA) level.
That’s why the same loan limits are used for the entire Seattle metro area, including King, Pierce, and Snohomish counties, as per the table below:
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| KING | $1,037,300 | $1,327,950 | $1,605,200 | $1,994,850 |
| PIERCE | $1,037,300 | $1,327,950 | $1,605,200 | $1,994,850 |
| SNOHOMISH | $1,037,300 | $1,327,950 | $1,605,200 | $1,994,850 |
The increase from 2023 to 2024 is a response to rising home values. According to Zillow, home prices nationwide rose by 2.6% during the past year. But home prices actually dipped in Pierce County over the past year, by 0.5%. FHA loan limits for 2025 have therefore remained the same to account for these changes.
As of December 2024, the median home price for Pierce County was around $548,065. That’s well below the single-family FHA loan limit for the area. This means home buyers who use this mortgage program should have plenty of properties to choose from without exceeding the maximum loan size.
Elsewhere on our website, you’ll find a list of FHA limits for all counties in Washington State.
Check out our mortgage loan limit tool for conventional, FHA, and VA loans.
Do you plan to buy a home in Pierce County, Washington sometime soon? Do you have questions about the FHA loan limits for 2025 or other aspects of the program? We’re here to help.
At Sammamish Mortgage, we offer a wide variety of mortgage programs and tools with flexible qualification criteria, including our Diamond Homebuyer Program, Cash Buyer Program, and Bridge Loans. We have been serving the entire state since 1992, as well as the broader Pacific Northwest region that includes Washington, Oregon, Colorado, and Idaho. Please contact us today with any financing-related questions you have.
Whether you’re buying a home or ready to refinance, our professionals can help.
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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.