Whatcom 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 $585,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $81,784 (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) | $585,800 |
| Washington median home value | $564,600 |
| Limit ÷ median home value | 1.42× |
| Median household income | $81,784 |
| Median home value ÷ income | 7.2× |
| Population | 230,503 |
| Median property tax paid (owners) | $4,087 |
| Effective property tax rate (approx.) | 0.70% |
| Owner-occupied homes | 63.7% |
| Home value rank in Washington | 5 of 39 counties |
| Neighbor: Okanogan County, WA | limit $832,750; median home $299,800 |
| Neighbor: San Juan County, WA | limit $832,750; median home $799,200 |
| Neighbor: Skagit County, WA | limit $832,750; median home $545,100 |
Across Washington's 39 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,063,750, with 3 high-cost counties. Whatcom County's median home value is 4% above the state median of $564,600 (rank 5 of 39). Among its 3 neighboring counties, San Juan County has the highest median home value ($799,200) and Okanogan County the lowest ($299,800); all share the same loan limit. Owners pay a median $4,087 a year in property tax, an effective rate of about 0.70% 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
- 2026 conforming loan limit: Wetzel County, WV
- 2026 conforming loan limit: Wexford County, MI
- 2026 conforming loan limit: Wharton County, TX
- 2026 conforming loan limit: Wheatland County, MT
- 2026 conforming loan limit: Wheeler County, GA
- 2026 conforming loan limit: Wheeler County, NE
- 2026 conforming loan limit: Wheeler County, OR
- 2026 conforming loan limit: Wheeler County, TX
Last updated 2026-10-16. Data only, not financial or tax advice.