Mortgage Rates in District of Columbia — March 2026
Compare current mortgage rates across 1 cities in District of Columbia. The average 30-year fixed rate is 6.57%, which is 0.08% below the national average of 6.65%.
District of Columbia Housing Highlights
All 1 Cities in District of Columbia
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Washington | 6.57% | $620,000 | $3,158 | 689,545 |
District of Columbia Mortgage Rates Guide — 2026
District of Columbia homebuyers currently see an average 30-year fixed mortgage rate of 6.57%, with median home prices around $620,000. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $3,158.
The most affordable city for homebuyers in District of Columbia is Washington, where the median home price is $620,000. On the other end, Washington has the highest prices at $620,000. Property tax rates across the state average 0.56%.
To comfortably afford a home at the state average price, a household income of approximately $135,343 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — District of Columbia Mortgages
What are current mortgage rates in District of Columbia?
As of March 2026, the average 30-year fixed mortgage rate in District of Columbia is 6.57% and the 15-year fixed rate averages 5.81%. Rates vary by city, lender, and borrower qualification.
What is the average home price in District of Columbia?
The median home price across 1 cities in District of Columbia is $620,000. Prices range from $620,000 in Washington to $620,000 in Washington.
How much income do I need to buy a house in District of Columbia?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $135,343 to comfortably afford the average home in District of Columbia. The median household income in the state is approximately $90,842.
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