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Washington County, Florida FHA, VA, and USDA Home Loan Information

2020 Washington County Government Home Loan Limits

FHA Loan Limit $331,760 (Single family residence) / $424,800 (Duplex) / $513,450 (Triplex) / $638,100 (Fourplex)
USDA Loan Limit $251,862
VA Home Loan Limit $0 down up to $3,000,000 / 2 open VA loans at one time $510,400*(Call 888-573-4496 for details).


Washington County is part of the Florida Panhandle in the northwestern part of the state. It is just north of Panama City, as well as not far from Pensacola (to the west) and Tallahassee (to the east). Apalachicola National Forest and Tate’s Hell State Forest are also in the region. The county has a population of just under 25,000 people and total land size of 616 square miles. The county seat is Chipley.

The county remains one of the few places in the United States that is still defined as a “dry county”. The sale of alcoholic beverages is prohibited within its boundaries. The county was created in 1825. The original boundaries made Washington County twice the size of Delaware. However, it has been reduced in size over years of territorial shifts. 

Regardless, Washington County remains a stable in the Florida Panhandle. The region is renowned for its rolling hills with dense pines and hardwood trees. The thick forests are beautiful places to visit and escape for a day, or week. The county also has a unique culture. It is influenced by not only English cultures, but also Native American and Spanish influences. The area is also home to a number of Native American Mounds.

Chipley represents the largest town in Washington County. It is still small with a documented population of 3,600 based on data from the last census. The town was originally named Orange for the prominent feature of the state of Florida. However, it was renamed in 1882 after a state Senator. Though it is a mild place to live, Washington County does have a unique reputation for the temperature of two degrees it recorded in 1985, designating the second coldest temperature ever recorded in Florida. 

Chipley is known for the Washington County Courthouse, perhaps the most dominant landmark in the small town. The South Third Street Historic District is known for its legendary buildings. Falling Waters State Park and Spanish Trail Playhouse are two of the most popular attractions. 

Falling Waters State Park is a 170-acre piece of land managed by the state. It is just outside Chilepy and contains a famous 73-foot waterfall. Falling Waters Falls is the highest waterfall in Florida. It also still sports famous landmarks from the Seminole Wars and Civil War. The park is open year-round for fishing, hiking, swimming, and camping. 

Additionally, Spanish Trail Playhouse represents one of the most heralded forms of entertainment in the region. The iconic theater was launched in 1962, however, endured years of inactivity. After closing its doors the theater witnessed a resurgence in 2006, and continues to remain a popular local draw. 

Washington County is known for supporting an active lifestyle. The territory is home to several famous athletes including Artis Gilmore, Cody Slate, Bert Yancey, and Amp Lee. Artis Gilmore is a Hall of Fame basketball player who starred at Roulhac High School before attending Jacksonville University. 

The Washington County School District currently manages two elementary schools, two middle schools, and two high schools. The high schools are located in Chipley and Vernon. The County Public Library system also supports three different branches.


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Washington County Property Search 

Caryville, Chipley, Ebro, Vernon, Wausau 

32427, 32428, 32437, 32462, 32463 

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