Mortgage Rates in Arlington, Washington — March 2026
Updated March 2026 | Based on Arlington market data and regional lending conditions
Arlington is a growing city in Washington with a population of 20,926. The current 30-year fixed mortgage rate in Arlington is 6.62%, which is 0.03% below the national average. With a median home price of $537,000 and a 20% down payment of $107,400, homebuyers can expect a monthly principal and interest payment of approximately $2,749.
Current Mortgage Rates in Arlington, WA
Below are the current average mortgage rates available in the Arlington 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% |
Arlington Housing Market Overview
The Arlington housing market is competitive with prices well above the national median. The median household income in Arlington is $80,200, and the cost of living index is 115.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $134,486 to comfortably afford the median-priced home in Arlington, which exceeds the current median household income.
Monthly Payment Breakdown for Arlington
Based on the median home price of $537,000 with 20% down ($107,400), here is what you can expect to pay monthly in Arlington:
15-Year vs. 30-Year Mortgage in Arlington
Choosing a 15-year mortgage in Arlington at 5.89% instead of a 30-year at 6.62% would save you $341,640 in total interest over the life of the loan. However, your monthly payment would be $3,600 instead of $2,749 — an increase of $851 per month.
Calculate Your Arlington 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 Arlington
What are the current mortgage rates in Arlington, WA?
As of March 2026, the average 30-year fixed mortgage rate in Arlington, 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 Arlington?
Based on the median home price of $537,000 with 20% down, the estimated monthly mortgage payment in Arlington is $2,749 for principal and interest. Including property taxes of $389/month, the total monthly housing cost is approximately $3,138.
What income do I need to buy a home in Arlington?
Using the 28% rule, you would need an annual income of approximately $134,486 to afford the median-priced home in Arlington at $537,000. The median household income in Arlington is $80,200. This means most households would need to either earn above the median or consider homes below $537,000.
Is Arlington a good place to buy a home in 2026?
Arlington has a moderate cost of living with a cost of living index of 115.1 (national average = 100). The property tax rate in Washington is 0.87%, which is near the national average. Arlington has a population of 20,926 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 Arlington, Washington area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.