Mortgage Rates in Washington — March 2026
Compare current mortgage rates across 87 cities in Washington. The average 30-year fixed rate is 6.69%, which is 0.04% above the national average of 6.65%.
Washington Housing Highlights
All 87 Cities in Washington
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Seattle | 6.57% | $825,000 | $4,202 | 737,015 |
| Spokane | 6.57% | $345,000 | $1,757 | 228,989 |
| Tacoma | 6.57% | $445,000 | $2,267 | 219,346 |
| Vancouver | 6.57% | $445,000 | $2,267 | 190,915 |
| Bellevue | 6.57% | $1,150,000 | $5,857 | 151,854 |
| Kent | 6.57% | $495,000 | $2,521 | 136,588 |
| Everett | 6.57% | $545,000 | $2,776 | 110,629 |
| Renton | 6.57% | $595,000 | $3,031 | 106,785 |
| Spokane Valley | 6.75% | $586,000 | $3,041 | 103,597 |
| Federal Way | 6.57% | $465,000 | $2,368 | 99,037 |
| Yakima | 6.57% | $275,000 | $1,401 | 96,968 |
| Bellingham | 6.57% | $585,000 | $2,980 | 95,368 |
| Kirkland | 6.75% | $619,000 | $3,212 | 92,175 |
| Auburn | 6.67% | $539,000 | $2,774 | 87,183 |
| Kennewick | 6.57% | $365,000 | $1,859 | 84,347 |
| Pasco | 6.86% | $510,000 | $2,676 | 77,571 |
| Redmond | 6.72% | $565,000 | $2,923 | 73,256 |
| Marysville | 6.66% | $586,000 | $3,013 | 69,985 |
| Lakewood | 6.72% | $569,000 | $2,943 | 65,969 |
| Sammamish | 6.85% | $534,000 | $2,799 | 65,892 |
| South Hill | 6.84% | $555,000 | $2,906 | 64,800 |
| Richland | 6.89% | $543,000 | $2,858 | 60,560 |
| Shoreline | 6.75% | $623,000 | $3,233 | 57,027 |
| Olympia | 6.57% | $445,000 | $2,267 | 55,605 |
| Lacey | 6.72% | $543,000 | $2,809 | 55,440 |
| Burien | 6.75% | $612,000 | $3,176 | 53,100 |
| Bothell | 6.89% | $470,000 | $2,474 | 49,325 |
| Bremerton | 6.8% | $474,000 | $2,472 | 44,122 |
| Puyallup | 6.79% | $560,000 | $2,918 | 43,505 |
| Edmonds | 6.84% | $590,000 | $3,090 | 42,347 |
| Lake Stevens | 6.61% | $542,000 | $2,772 | 41,120 |
| Lynnwood | 6.62% | $472,000 | $2,417 | 41,103 |
| Issaquah | 6.77% | $580,000 | $3,016 | 40,051 |
| Longview | 6.49% | $325,000 | $1,641 | 39,958 |
| Mount Vernon | 6.68% | $465,000 | $2,394 | 36,795 |
| Wenatchee | 6.65% | $435,000 | $2,235 | 34,891 |
| University Place | 6.78% | $519,000 | $2,701 | 34,110 |
| Pullman | 6.87% | $552,000 | $2,900 | 34,019 |
| Walla Walla | 6.54% | $345,000 | $1,752 | 33,927 |
| Spanaway | 6.67% | $491,000 | $2,527 | 33,660 |
| Des Moines | 6.65% | $526,000 | $2,701 | 32,888 |
| Graham | 6.75% | $572,000 | $2,968 | 32,210 |
| SeaTac | 6.89% | $577,000 | $3,037 | 31,454 |
| Maple Valley | 6.66% | $591,000 | $3,038 | 27,397 |
| Camas | 6.62% | $544,000 | $2,785 | 26,065 |
| Mercer Island | 6.71% | $595,000 | $3,075 | 25,748 |
| Tumwater | 6.82% | $496,000 | $2,592 | 25,483 |
| Moses Lake | 6.83% | $504,000 | $2,637 | 25,361 |
| Bainbridge Island | 6.85% | $443,000 | $2,322 | 24,832 |
| Oak Harbor | 6.85% | $462,000 | $2,422 | 24,451 |
| Kenmore | 6.8% | $558,000 | $2,910 | 23,914 |
| Silver Firs | 6.83% | $458,000 | $2,396 | 22,280 |
| Tukwila | 6.71% | $549,000 | $2,837 | 22,107 |
| Silverdale | 6.7% | $449,000 | $2,318 | 22,040 |
| Bonney Lake | 6.73% | $541,000 | $2,801 | 22,000 |
| Battle Ground | 6.69% | $490,000 | $2,527 | 21,926 |
| Mukilteo | 6.67% | $459,000 | $2,362 | 21,512 |
| Mountlake Terrace | 6.76% | $551,000 | $2,862 | 21,282 |
| Covington | 6.7% | $458,000 | $2,364 | 21,113 |
| Ellensburg | 6.75% | $345,000 | $1,789 | 21,011 |
| Arlington | 6.62% | $537,000 | $2,749 | 20,926 |
| Monroe | 6.86% | $470,000 | $2,466 | 20,606 |
| Port Angeles | 6.72% | $458,000 | $2,369 | 20,549 |
| Mill Creek | 6.62% | $450,000 | $2,304 | 20,171 |
| Centralia | 6.71% | $508,000 | $2,625 | 18,504 |
| Anacortes | 6.72% | $525,000 | $2,716 | 17,231 |
| Sunnyside | 6.71% | $489,000 | $2,527 | 17,100 |
| Port Orchard | 6.6% | $480,000 | $2,452 | 16,380 |
| Lynden | 6.65% | $506,000 | $2,599 | 16,010 |
| White Center | 6.72% | $455,000 | $2,354 | 15,800 |
| Snoqualmie | 6.74% | $541,000 | $2,804 | 14,247 |
| East Wenatchee | 6.62% | $558,000 | $2,857 | 14,058 |
| Lake Forest Park | 6.76% | $558,000 | $2,898 | 13,390 |
| Woodinville | 6.8% | $447,000 | $2,331 | 13,348 |
| East Renton Highlands | 6.81% | $543,000 | $2,835 | 12,992 |
| Cheney | 6.64% | $507,000 | $2,601 | 12,390 |
| Prairie Ridge | 6.75% | $513,000 | $2,662 | 12,125 |
| Gig Harbor | 6.67% | $534,000 | $2,748 | 12,099 |
| Liberty Lake | 6.67% | $549,000 | $2,825 | 11,622 |
| Fife | 6.79% | $525,000 | $2,735 | 10,640 |
| Burlington | 6.74% | $470,000 | $2,436 | 10,300 |
| Snohomish | 6.74% | $452,000 | $2,343 | 10,300 |
| Port Townsend | 6.04% | $485,000 | $2,336 | 9,551 |
| Toppenish | 6.89% | $469,000 | $2,469 | 8,875 |
| Orting | 6.68% | $501,000 | $2,581 | 8,620 |
| Sequim | 6.06% | $425,000 | $2,053 | 7,898 |
| Leavenworth | 6.47% | $565,000 | $2,848 | 2,112 |
Washington Mortgage Rates Guide — 2026
Washington homebuyers currently see an average 30-year fixed mortgage rate of 6.69%, with median home prices around $515,770. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $2,661.
The most affordable city for homebuyers in Washington is Yakima, where the median home price is $275,000. On the other end, Bellevue has the highest prices at $1,150,000. Property tax rates across the state average 0.94%.
To comfortably afford a home at the state average price, a household income of approximately $114,043 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Washington Mortgages
What are current mortgage rates in Washington?
As of March 2026, the average 30-year fixed mortgage rate in Washington is 6.69% and the 15-year fixed rate averages 5.93%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Washington?
The median home price across 87 cities in Washington is $515,770. Prices range from $275,000 in Yakima to $1,150,000 in Bellevue.
How much income do I need to buy a house in Washington?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $114,043 to comfortably afford the average home in Washington. The median household income in the state is approximately $70,240.
Browse Mortgage Rates by State
Calculate Your Washington Mortgage Payment
Use our free calculator to see your exact monthly payment and amortization schedule.
Open Free Calculator