Mortgage Rates in Pullman, Washington — March 2026
Updated March 2026 | Based on Pullman market data and regional lending conditions
Pullman is a growing city in Washington with a population of 34,019. The current 30-year fixed mortgage rate in Pullman is 6.87%, which is 0.22% above the national average. With a median home price of $552,000 and a 20% down payment of $110,400, homebuyers can expect a monthly principal and interest payment of approximately $2,900.
Current Mortgage Rates in Pullman, WA
Below are the current average mortgage rates available in the Pullman 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 | 6.87% | 6.65% | +0.22% |
| 15-Year Fixed | 6.09% | 5.89% | +0.2% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.12% | 6.85% | +0.27% |
Pullman Housing Market Overview
The Pullman housing market is competitive with prices well above the national median. The median household income in Pullman is $74,600, and the cost of living index is 111.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $141,814 to comfortably afford the median-priced home in Pullman, which exceeds the current median household income.
Monthly Payment Breakdown for Pullman
Based on the median home price of $552,000 with 20% down ($110,400), here is what you can expect to pay monthly in Pullman:
15-Year vs. 30-Year Mortgage in Pullman
Choosing a 15-year mortgage in Pullman at 6.09% instead of a 30-year at 6.87% would save you $369,360 in total interest over the life of the loan. However, your monthly payment would be $3,748 instead of $2,900 — an increase of $848 per month.
Calculate Your Pullman 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 Pullman
What are the current mortgage rates in Pullman, WA?
As of March 2026, the average 30-year fixed mortgage rate in Pullman, Washington is 6.87%, while the 15-year fixed rate is 6.09%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.22% above the national average of 6.65%.
How much is a monthly mortgage payment in Pullman?
Based on the median home price of $552,000 with 20% down, the estimated monthly mortgage payment in Pullman is $2,900 for principal and interest. Including property taxes of $409/month, the total monthly housing cost is approximately $3,309.
What income do I need to buy a home in Pullman?
Using the 28% rule, you would need an annual income of approximately $141,814 to afford the median-priced home in Pullman at $552,000. The median household income in Pullman is $74,600. This means most households would need to either earn above the median or consider homes below $552,000.
Is Pullman a good place to buy a home in 2026?
Pullman has a moderate cost of living with a cost of living index of 111.5 (national average = 100). The property tax rate in Washington is 0.89%, which is near the national average. Pullman has a population of 34,019 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 Pullman, Washington area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.