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Conforming loan limits in Snohomish County, WA will increase for 2025, which will give homebuyers more room when it comes to the loan amount they take out to purchase a property.
The conforming loan limit for Snohomish County in 2025 is $1,037,300 for a single-family home. Anything above that is considered a “jumbo” mortgage, meaning it’s too large to be sold to Fannie Mae and Freddie Mac.
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| SNOHOMISH | $1,037,300 | $1,327,950 | $1,605,200 | $1,994,850 |
Notes: In this context, a “one-unit” property is a regular single-family home. That’s the limit that applies to most home buyers in Snohomish County. The two, three, and four-unit caps mostly apply to real estate investors purchasing multi-unit properties like duplexes and triplexes.
Check out our mortgage loan limit tool for conventional, FHA, and VA loans, as well as the 2025 conforming loan limits for Washington State.
Recently, the Federal Housing Finance Agency (FHFA) announced that it would increase the maximum conforming loan limits for mortgages purchased by Fannie Mae and Freddie Mac for most counties. In most of the country, the 2025 maximum limit for a one-unit property is $806,500. But in many counties – including Snohomish County – the limit is much higher. In the case of Snohomish County, WA, the 2025 conforming loan limit is $1,037,300, which has not changed from last year.
Loan limits are set at the county level, officially, but they are usually the same across an entire metro area. So, the 2025 caps shown below apply to the greater Seattle metropolitan area, including King, Pierce, and Snohomish counties.
| 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 that are much higher than the average home price in the area is good news to home buyers and mortgage shoppers in Snohomish County. This gap will give borrowers more properties to choose from, without venturing into jumbo mortgage territory. (A jumbo loan is one that exceeds the conforming loan limit within the county where the home is located, and therefore cannot be sold to Fannie Mae and Freddie Mac.)
According to Zillow, the median home price across Snohomish County increased 6.3% during 2024, to land at $746,321 by the end of 2024. So why is the single-family conforming loan limit for Snohomish County so much higher than that? The answer has to do with the metro area grouping mentioned earlier.
Loan limits are generally kept uniform across metro areas, and home prices in and around Seattle are much higher than the countywide average. Seattle’s median home price was around $848,982 by November 2024. That’s why the conforming loan limit was set at $1,037,300. Call it the “Seattle effect.”
Will you need mortgage financing to buy a home? 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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