Mortgage Rates in Port Angeles, Washington — March 2026
Updated March 2026 | Based on Port Angeles market data and regional lending conditions
Port Angeles is a growing city in Washington with a population of 20,549. The current 30-year fixed mortgage rate in Port Angeles is 6.72%, which is 0.07% above the national average. With a median home price of $458,000 and a 20% down payment of $91,600, homebuyers can expect a monthly principal and interest payment of approximately $2,369.
Current Mortgage Rates in Port Angeles, WA
Below are the current average mortgage rates available in the Port Angeles 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 | 5.97% | 5.89% | +0.08% |
| 5/1 ARM | 6.23% | 6.15% | +0.08% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.97% | 6.85% | +0.12% |
Port Angeles Housing Market Overview
The Port Angeles housing market reflects moderate demand with prices near the national average. The median household income in Port Angeles is $77,600, and the cost of living index is 107.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $117,557 to comfortably afford the median-priced home in Port Angeles, which exceeds the current median household income.
Monthly Payment Breakdown for Port Angeles
Based on the median home price of $458,000 with 20% down ($91,600), here is what you can expect to pay monthly in Port Angeles:
15-Year vs. 30-Year Mortgage in Port Angeles
Choosing a 15-year mortgage in Port Angeles at 5.97% instead of a 30-year at 6.72% would save you $297,360 in total interest over the life of the loan. However, your monthly payment would be $3,086 instead of $2,369 — an increase of $717 per month.
Calculate Your Port Angeles 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 Port Angeles
What are the current mortgage rates in Port Angeles, WA?
As of March 2026, the average 30-year fixed mortgage rate in Port Angeles, Washington is 6.72%, while the 15-year fixed rate is 5.97%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.07% above the national average of 6.65%.
How much is a monthly mortgage payment in Port Angeles?
Based on the median home price of $458,000 with 20% down, the estimated monthly mortgage payment in Port Angeles is $2,369 for principal and interest. Including property taxes of $374/month, the total monthly housing cost is approximately $2,743.
What income do I need to buy a home in Port Angeles?
Using the 28% rule, you would need an annual income of approximately $117,557 to afford the median-priced home in Port Angeles at $458,000. The median household income in Port Angeles is $77,600. This means most households would need to either earn above the median or consider homes below $458,000.
Is Port Angeles a good place to buy a home in 2026?
Port Angeles has a moderate cost of living with a cost of living index of 107.6 (national average = 100). The property tax rate in Washington is 0.98%, which is near the national average. Port Angeles has a population of 20,549 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 Port Angeles, Washington area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.