Mortgage Rates in Graham, Washington — March 2026
Updated March 2026 | Based on Graham market data and regional lending conditions
Graham is a growing city in Washington with a population of 32,210. The current 30-year fixed mortgage rate in Graham is 6.75%, which is 0.1% above the national average. With a median home price of $572,000 and a 20% down payment of $114,400, homebuyers can expect a monthly principal and interest payment of approximately $2,968.
Current Mortgage Rates in Graham, WA
Below are the current average mortgage rates available in the Graham 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 | 6.75% | 6.65% | +0.1% |
| 15-Year Fixed | 5.99% | 5.89% | +0.1% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.5% | 6.25% | +0.25% |
| VA | 6.25% | 6.05% | +0.2% |
| Jumbo | 7% | 6.85% | +0.15% |
Graham Housing Market Overview
The Graham housing market is competitive with prices well above the national median. The median household income in Graham is $79,800, and the cost of living index is 104.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $144,986 to comfortably afford the median-priced home in Graham, which exceeds the current median household income.
Monthly Payment Breakdown for Graham
Based on the median home price of $572,000 with 20% down ($114,400), here is what you can expect to pay monthly in Graham:
15-Year vs. 30-Year Mortgage in Graham
Choosing a 15-year mortgage in Graham at 5.99% instead of a 30-year at 6.75% would save you $373,860 in total interest over the life of the loan. However, your monthly payment would be $3,859 instead of $2,968 — an increase of $891 per month.
Calculate Your Graham Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Graham
What are the current mortgage rates in Graham, WA?
As of March 2026, the average 30-year fixed mortgage rate in Graham, Washington is 6.75%, while the 15-year fixed rate is 5.99%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.1% above the national average of 6.65%.
How much is a monthly mortgage payment in Graham?
Based on the median home price of $572,000 with 20% down, the estimated monthly mortgage payment in Graham is $2,968 for principal and interest. Including property taxes of $415/month, the total monthly housing cost is approximately $3,383.
What income do I need to buy a home in Graham?
Using the 28% rule, you would need an annual income of approximately $144,986 to afford the median-priced home in Graham at $572,000. The median household income in Graham is $79,800. This means most households would need to either earn above the median or consider homes below $572,000.
Is Graham a good place to buy a home in 2026?
Graham has a moderate cost of living with a cost of living index of 104.6 (national average = 100). The property tax rate in Washington is 0.87%, which is near the national average. Graham has a population of 32,210 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 Graham, Washington area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.