Mortgage Rates in Anacortes, Washington — March 2026
Updated March 2026 | Based on Anacortes market data and regional lending conditions
Anacortes is a growing city in Washington with a population of 17,231. The current 30-year fixed mortgage rate in Anacortes is 6.72%, which is 0.07% above the national average. With a median home price of $525,000 and a 20% down payment of $105,000, homebuyers can expect a monthly principal and interest payment of approximately $2,716.
Current Mortgage Rates in Anacortes, WA
Below are the current average mortgage rates available in the Anacortes 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 | 6.72% | 6.65% | +0.07% |
| 15-Year Fixed | 5.96% | 5.89% | +0.07% |
| 5/1 ARM | 6.22% | 6.15% | +0.07% |
| FHA | 6.32% | 6.25% | +0.07% |
| VA | 6.12% | 6.05% | +0.07% |
| Jumbo | 6.92% | 6.85% | +0.07% |
Anacortes Housing Market Overview
The Anacortes housing market is competitive with prices well above the national median. The median household income in Anacortes is $55,000, and the cost of living index is 112 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $135,343 to comfortably afford the median-priced home in Anacortes, which exceeds the current median household income.
Monthly Payment Breakdown for Anacortes
Based on the median home price of $525,000 with 20% down ($105,000), here is what you can expect to pay monthly in Anacortes:
15-Year vs. 30-Year Mortgage in Anacortes
Choosing a 15-year mortgage in Anacortes at 5.96% instead of a 30-year at 6.72% would save you $341,460 in total interest over the life of the loan. However, your monthly payment would be $3,535 instead of $2,716 — an increase of $819 per month.
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Open Free CalculatorFrequently Asked Questions About Mortgages in Anacortes
What are the current mortgage rates in Anacortes, WA?
As of March 2026, the average 30-year fixed mortgage rate in Anacortes, Washington is 6.72%, while the 15-year fixed rate is 5.96%. FHA loans average 6.32% and VA loans 6.12%. These rates are 0.07% above the national average of 6.65%.
How much is a monthly mortgage payment in Anacortes?
Based on the median home price of $525,000 with 20% down, the estimated monthly mortgage payment in Anacortes is $2,716 for principal and interest. Including property taxes of $442/month, the total monthly housing cost is approximately $3,158.
What income do I need to buy a home in Anacortes?
Using the 28% rule, you would need an annual income of approximately $135,343 to afford the median-priced home in Anacortes at $525,000. The median household income in Anacortes is $55,000. This means most households would need to either earn above the median or consider homes below $525,000.
Is Anacortes a good place to buy a home in 2026?
Anacortes has a moderate cost of living with a cost of living index of 112 (national average = 100). The property tax rate in Washington is 1.01%, which is near the national average. Anacortes has a population of 17,231 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 Anacortes, Washington area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.