Mortgage Rates in Camas, Washington — March 2026
Updated March 2026 | Based on Camas market data and regional lending conditions
Camas is a growing city in Washington with a population of 26,065. The current 30-year fixed mortgage rate in Camas is 6.62%, which is 0.03% below the national average. With a median home price of $544,000 and a 20% down payment of $108,800, homebuyers can expect a monthly principal and interest payment of approximately $2,785.
Current Mortgage Rates in Camas, WA
Below are the current average mortgage rates available in the Camas area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.62% | 6.65% | -0.03% |
| 15-Year Fixed | 5.89% | 5.89% | 0% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.87% | 6.85% | +0.02% |
Camas Housing Market Overview
The Camas housing market is competitive with prices well above the national median. The median household income in Camas is $69,500, and the cost of living index is 115.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $136,629 to comfortably afford the median-priced home in Camas, which exceeds the current median household income.
Monthly Payment Breakdown for Camas
Based on the median home price of $544,000 with 20% down ($108,800), here is what you can expect to pay monthly in Camas:
15-Year vs. 30-Year Mortgage in Camas
Choosing a 15-year mortgage in Camas at 5.89% instead of a 30-year at 6.62% would save you $346,140 in total interest over the life of the loan. However, your monthly payment would be $3,647 instead of $2,785 — an increase of $862 per month.
Calculate Your Camas Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Camas
What are the current mortgage rates in Camas, WA?
As of March 2026, the average 30-year fixed mortgage rate in Camas, Washington is 6.62%, while the 15-year fixed rate is 5.89%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.03% below the national average of 6.65%.
How much is a monthly mortgage payment in Camas?
Based on the median home price of $544,000 with 20% down, the estimated monthly mortgage payment in Camas is $2,785 for principal and interest. Including property taxes of $403/month, the total monthly housing cost is approximately $3,188.
What income do I need to buy a home in Camas?
Using the 28% rule, you would need an annual income of approximately $136,629 to afford the median-priced home in Camas at $544,000. The median household income in Camas is $69,500. This means most households would need to either earn above the median or consider homes below $544,000.
Is Camas a good place to buy a home in 2026?
Camas has a moderate cost of living with a cost of living index of 115.8 (national average = 100). The property tax rate in Washington is 0.89%, which is near the national average. Camas has a population of 26,065 and offers a balanced lifestyle.
Mortgage Rates in Other Washington Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Camas, Washington area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.