Mortgage Rates in Maple Valley, Washington — March 2026
Updated March 2026 | Based on Maple Valley market data and regional lending conditions
Maple Valley is a growing city in Washington with a population of 27,397. The current 30-year fixed mortgage rate in Maple Valley is 6.66%, which is 0.01% above the national average. With a median home price of $591,000 and a 20% down payment of $118,200, homebuyers can expect a monthly principal and interest payment of approximately $3,038.
Current Mortgage Rates in Maple Valley, WA
Below are the current average mortgage rates available in the Maple Valley 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 | 6.66% | 6.65% | +0.01% |
| 15-Year Fixed | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.91% | 6.85% | +0.06% |
Maple Valley Housing Market Overview
The Maple Valley housing market is competitive with prices well above the national median. The median household income in Maple Valley is $66,000, and the cost of living index is 106.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $151,114 to comfortably afford the median-priced home in Maple Valley, which exceeds the current median household income.
Monthly Payment Breakdown for Maple Valley
Based on the median home price of $591,000 with 20% down ($118,200), here is what you can expect to pay monthly in Maple Valley:
15-Year vs. 30-Year Mortgage in Maple Valley
Choosing a 15-year mortgage in Maple Valley at 5.91% instead of a 30-year at 6.66% would save you $379,620 in total interest over the life of the loan. However, your monthly payment would be $3,967 instead of $3,038 — an increase of $929 per month.
Calculate Your Maple Valley 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 Maple Valley
What are the current mortgage rates in Maple Valley, WA?
As of March 2026, the average 30-year fixed mortgage rate in Maple Valley, Washington is 6.66%, while the 15-year fixed rate is 5.91%. FHA loans average 6.45% and VA loans 6.2%. These rates are 0.01% above the national average of 6.65%.
How much is a monthly mortgage payment in Maple Valley?
Based on the median home price of $591,000 with 20% down, the estimated monthly mortgage payment in Maple Valley is $3,038 for principal and interest. Including property taxes of $488/month, the total monthly housing cost is approximately $3,526.
What income do I need to buy a home in Maple Valley?
Using the 28% rule, you would need an annual income of approximately $151,114 to afford the median-priced home in Maple Valley at $591,000. The median household income in Maple Valley is $66,000. This means most households would need to either earn above the median or consider homes below $591,000.
Is Maple Valley a good place to buy a home in 2026?
Maple Valley has a moderate cost of living with a cost of living index of 106.2 (national average = 100). The property tax rate in Washington is 0.99%, which is near the national average. Maple Valley has a population of 27,397 and offers a balanced lifestyle.
Mortgage Rates in Other Washington Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Maple Valley, Washington area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.