Mortgage Rates in Silverdale, Washington — March 2026
Updated March 2026 | Based on Silverdale market data and regional lending conditions
Silverdale is a growing city in Washington with a population of 22,040. The current 30-year fixed mortgage rate in Silverdale is 6.7%, which is 0.05% above the national average. With a median home price of $449,000 and a 20% down payment of $89,800, homebuyers can expect a monthly principal and interest payment of approximately $2,318.
Current Mortgage Rates in Silverdale, WA
Below are the current average mortgage rates available in the Silverdale 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 | 6.7% | 6.65% | +0.05% |
| 15-Year Fixed | 5.95% | 5.89% | +0.06% |
| 5/1 ARM | 6.22% | 6.15% | +0.07% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.95% | 6.85% | +0.1% |
Silverdale Housing Market Overview
The Silverdale housing market reflects moderate demand with prices near the national average. The median household income in Silverdale is $75,200, and the cost of living index is 116.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $113,614 to comfortably afford the median-priced home in Silverdale, which exceeds the current median household income.
Monthly Payment Breakdown for Silverdale
Based on the median home price of $449,000 with 20% down ($89,800), here is what you can expect to pay monthly in Silverdale:
15-Year vs. 30-Year Mortgage in Silverdale
Choosing a 15-year mortgage in Silverdale at 5.95% instead of a 30-year at 6.7% would save you $290,700 in total interest over the life of the loan. However, your monthly payment would be $3,021 instead of $2,318 — an increase of $703 per month.
Calculate Your Silverdale 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 Silverdale
What are the current mortgage rates in Silverdale, WA?
As of March 2026, the average 30-year fixed mortgage rate in Silverdale, Washington is 6.7%, while the 15-year fixed rate is 5.95%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.05% above the national average of 6.65%.
How much is a monthly mortgage payment in Silverdale?
Based on the median home price of $449,000 with 20% down, the estimated monthly mortgage payment in Silverdale is $2,318 for principal and interest. Including property taxes of $333/month, the total monthly housing cost is approximately $2,651.
What income do I need to buy a home in Silverdale?
Using the 28% rule, you would need an annual income of approximately $113,614 to afford the median-priced home in Silverdale at $449,000. The median household income in Silverdale is $75,200. This means most households would need to either earn above the median or consider homes below $449,000.
Is Silverdale a good place to buy a home in 2026?
Silverdale has a moderate cost of living with a cost of living index of 116.8 (national average = 100). The property tax rate in Washington is 0.89%, which is near the national average. Silverdale has a population of 22,040 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 Silverdale, Washington area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.