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FHA loan limits in Snohomish County increased for 2025 as a result of increased home prices in the county.
FHA home loans are a great option for many homebuyer hopefuls who may not have the down payment amount or the credit score needed to secure a conventional loan to buy a home in Snohomish County. But before you apply for an FHA loan, you will need to know what the loan limits are for 2025 in this area.
In Snohomish County, Washington, the FHA loan limit for a single-family home purchased within the county is $1,037,300.
The Department of Housing and Urban Development (HUD) recently announced that it would be increasing FHA loan limits in most counties across the US. These increases in loan limits were made in response to home-price increases in 2024 across most of the nation.
These changes will apply to FHA loans assigned on or after January 1, 2025, and will remain as is through the end of the year.
The single-family FHA loan limit for Snohomish County, Washington is $1,037,300 in 2025.
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| SNOHOMISH | $1,037,300 | $1,327,950 | $1,605,200 | $1,994,850 |
The Federal Housing Administration (FHA) calculates its loan limits based on median house prices, in accordance with the National Housing Act.
This is the reason why the same loan limits are applied to the entire Seattle metro area, including King, Pierce, and Snohomish counties, as you can see in 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 |
Loan limits changes from one year to the next are a response to an increase in property values. According to Zillow, the prices of homes across the country increased by 2.6% during the past 12 months to $359,099. The prices in Snohomish County also increased this past year by 6.3% over the past 12 months.
As of December 2024, the average home price for Snohomish County is approximately $746,321. This is far less than the single-family FHA loan limit for the area. That means buyers who use this particular loan program will have a lot of homes to choose from without having to worry about going over the maximum FHA loan size.
Here is a list of FHA limits for all counties in Washington State.
Check out our mortgage loan limit tool for conventional, FHA, and VA loans.
If you are planning to purchase a home in Snohomish County, Washington in 2025, or you have questions about the FHA loan limits for 2025, we are 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.