Mortgage Rates in SeaTac, Washington — March 2026
Updated March 2026 | Based on SeaTac market data and regional lending conditions
SeaTac is a growing city in Washington with a population of 31,454. The current 30-year fixed mortgage rate in SeaTac is 6.89%, which is 0.24% above the national average. With a median home price of $577,000 and a 20% down payment of $115,400, homebuyers can expect a monthly principal and interest payment of approximately $3,037.
Current Mortgage Rates in SeaTac, WA
Below are the current average mortgage rates available in the SeaTac 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 | 6.89% | 6.65% | +0.24% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.34% | 6.15% | +0.19% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.14% | 6.85% | +0.29% |
SeaTac Housing Market Overview
The SeaTac housing market is competitive with prices well above the national median. The median household income in SeaTac is $72,700, and the cost of living index is 107.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $150,557 to comfortably afford the median-priced home in SeaTac, which exceeds the current median household income.
Monthly Payment Breakdown for SeaTac
Based on the median home price of $577,000 with 20% down ($115,400), here is what you can expect to pay monthly in SeaTac:
15-Year vs. 30-Year Mortgage in SeaTac
Choosing a 15-year mortgage in SeaTac at 6.1% instead of a 30-year at 6.89% would save you $387,720 in total interest over the life of the loan. However, your monthly payment would be $3,920 instead of $3,037 — an increase of $883 per month.
Calculate Your SeaTac 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 SeaTac
What are the current mortgage rates in SeaTac, WA?
As of March 2026, the average 30-year fixed mortgage rate in SeaTac, Washington is 6.89%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.24% above the national average of 6.65%.
How much is a monthly mortgage payment in SeaTac?
Based on the median home price of $577,000 with 20% down, the estimated monthly mortgage payment in SeaTac is $3,037 for principal and interest. Including property taxes of $476/month, the total monthly housing cost is approximately $3,513.
What income do I need to buy a home in SeaTac?
Using the 28% rule, you would need an annual income of approximately $150,557 to afford the median-priced home in SeaTac at $577,000. The median household income in SeaTac is $72,700. This means most households would need to either earn above the median or consider homes below $577,000.
Is SeaTac a good place to buy a home in 2026?
SeaTac has a moderate cost of living with a cost of living index of 107.1 (national average = 100). The property tax rate in Washington is 0.99%, which is near the national average. SeaTac has a population of 31,454 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 SeaTac, Washington area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.