Island County, Washington has a 2026 one-unit conforming loan limit of $832,750, which is 1.4 times the county's median home value of $593,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $90,551 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $593,300 |
| Washington median home value | $564,600 |
| Limit ÷ median home value | 1.40× |
| Median household income | $90,551 |
| Median home value ÷ income | 6.6× |
| Population | 86,836 |
| Median property tax paid (owners) | $3,999 |
| Effective property tax rate (approx.) | 0.67% |
| Owner-occupied homes | 74.7% |
| Home value rank in Washington | 4 of 39 counties |
| Neighbor: Jefferson County, WA | limit $832,750; median home $535,000 |
| Neighbor: Kitsap County, WA | limit $832,750; median home $555,100 |
| Neighbor: San Juan County, WA | limit $832,750; median home $799,200 |
| Neighbor: Skagit County, WA | limit $832,750; median home $545,100 |
| Neighbor: Snohomish County, WA | limit $1,063,750; median home $696,000 |
Across Washington's 39 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,063,750, with 3 high-cost counties. Island County's median home value is 5% above the state median of $564,600 (rank 4 of 39). Among its 5 neighboring counties, San Juan County has the highest median home value ($799,200) and Jefferson County the lowest ($535,000); 1 neighbor(s) have a different loan limit. Owners pay a median $3,999 a year in property tax, an effective rate of about 0.67% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
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Last updated 2026-10-16. Data only, not financial or tax advice.