2026 Mortgage Loan Limits for Thurston County, Washington
Thurston County Loan Limits History
See how mortgage loan limits in this area have evolved over time. This historical chart shows conventional, FHA, VA, and USDA limits for 1-4 unit properties.
Thurston County Loan Limits: Complete Historical Table
Browse the full historical data for Thurston County mortgage loan limits from 1972 to 2026. This comprehensive table shows how loan limits have changed over 50+ years, helping you understand long-term trends in your local housing market.
| Year | Conventional | FHA | VA | USDA |
|---|---|---|---|---|
| 2026 | $832,750 | $541,275 | $832,750 | $433,020 |
| 2025 | $806,500 | $557,750 | $806,500 | $446,200 |
| 2024 | $766,550 | $546,250 | $766,550 | $437,000 |
| 2023 | $726,200 | $546,250 | $726,200 | $437,000 |
| 2022 | $647,200 | $477,250 | $647,200 | - |
| 2021 | $548,250 | $405,950 | $548,250 | - |
| 2020 | $510,400 | $370,300 | $510,400 | - |
| 2019 | $484,350 | $336,950 | $484,350 | - |
| 2018 | $453,100 | $316,250 | $453,100 | - |
| 2017 | $424,100 | $297,850 | $424,100 | - |
| 2016 | $417,000 | $293,250 | $417,000 | - |
| 2015 | $417,000 | $293,250 | $417,000 | - |
| 2014 | $417,000 | $293,250 | $417,000 | - |
| 2013 | $417,000 | $361,250 | $417,000 | - |
| 2012 | $417,000 | $361,250 | $417,000 | - |
| 2011 | $417,000 | $361,250 | $417,000 | - |
| 2010 | $417,000 | $361,250 | $417,000 | - |
| 2009 | $417,000 | $271,050 | $417,000 | - |
| 2008 | $417,000 | $200,160 | $417,000 | - |
Cities in Thurston County, Washington
The following cities and communities are covered by Thurston County loan limits. Whether you're looking for mortgage loan limits in Bucoda, Grand Mound, Lacey or any other Thurston County city, the same conventional, FHA, VA, and USDA loan limits apply throughout the county.
Thurston County, Washington Mortgage Market Analysis (2018-2024)
Explore borrowing and mortgage trends in Thurston County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.
Loan Count by Loan Type (Thurston County, Washington)
Number of mortgage loans originated by loan type (Conventional, FHA, VA, USDA) in Thurston County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 6,091 | 2,257 | 2,279 | ▲0.97% |
| FHA | 1,107 | 482 | 579 | ▲20.12% |
| VA | 3,824 | 1,212 | 1,528 | ▲26.07% |
| USDA | 36 | 2 | 2 | ▲0.00% |
Market Share by Loan Type (Thurston County, Washington)
Market share percentage by loan type (Conventional, FHA, VA, USDA) in Thurston County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 55.08% | 57.10% | 51.94% | ▼-5.16% |
| FHA | 10.01% | 12.19% | 13.20% | ▲1.01% |
| VA | 34.58% | 30.66% | 34.82% | ▲4.16% |
| USDA | 0.33% | 0.05% | 0.05% | ▲0.00% |
Average Loan-to-Value by Loan Type (Thurston County, Washington)
Average loan-to-value ratio by loan type (Conventional, FHA, VA, USDA) in Thurston County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 76.60% | 69.80% | 69.30% | ▼-0.50% |
| FHA | 93.80% | 90.60% | 91.20% | ▲0.60% |
| VA | 100.00% | 93.60% | 99.60% | ▲6.00% |
| USDA | 96.80% | 100.00% | 100.00% | ▲0.00% |
