Mortgage Rates in District of Columbia — June 2026
Compare mortgage rate benchmarks across 1 cities in District of Columbia. Amortio's estimated state average for a 30-year fixed loan is 6.57%, which is 0.09% above the Freddie Mac national benchmark of 6.48% from June 4, 2026. These figures are informational estimates, not lender quotes or APR offers.
What is the current District of Columbia mortgage-rate benchmark?
Amortio's District of Columbia state table shows an estimated 6.57% 30-year benchmark across 1 cities, versus Freddie Mac's 6.48% national 30-year PMMS benchmark from June 4, 2026. Use it to compare city payments, then request same-day lender Loan Estimates for APR, points, fees, lock period, and cash-to-close.
How to Read District of Columbia Mortgage Rates
District of Columbia is not one uniform mortgage market. The rate table below covers 1 cities, but the real payment difference comes from home price, income, property taxes, loan size, and whether a borrower fits conventional, FHA, VA, or jumbo pricing. Use this page to compare cities first, then use lender quotes for final APR and fee decisions.
- At the state-average payment of $3,158 per month and median income of $90,842, District of Columbia looks stretched relative to the standard 28% housing-cost guideline.
- The observed city-level 30-year benchmark spread is 0 percentage points, from 6.57% to 6.57%. Even small rate differences matter more in expensive cities because they apply to larger loan balances.
- Average property-tax pressure is relatively low, so purchase price and rate lock timing usually drive more of the monthly-payment difference.
- For buyers comparing down payment choices, pair this state page with the PMI calculator, affordability calculator, and closing cost estimator before assuming the lowest advertised rate creates the lowest total cost.
Payment-Efficient District of Columbia Cities
| City | P&I / Income | Monthly P&I | Median Income | 30-Year Rate |
|---|---|---|---|---|
| Washington | 41.7% | $3,158 | $90,842 | 6.57% |
Highest-Priced District of Columbia Markets to Stress-Test
District of Columbia Mortgage Quote Comparison Worksheet
Use this checklist before choosing between lender quotes, state assistance, builder credits, or a temporary buydown. It is built to catch the costs that do not show up in a simple rate table.
| Line Item | What to Compare |
|---|---|
| Rate vs APR | APR exposes points, lender fees, and credits that can hide inside a lower advertised rate. |
| Cash to close | Compare down payment, closing costs, prepaid taxes, insurance escrow, and any assistance or seller credit. |
| Payment after escrow | District of Columbia buyers should compare principal, interest, property tax, insurance, HOA or condo dues, and mortgage insurance together. |
| Assistance terms | Down payment assistance can be a grant, forgivable second, deferred second, or repayable loan; the repayment rule changes the real cost. |
| Rate lock and buydown | Temporary buydowns and lender credits can improve the first-year payment while leaving a higher long-run payment. |
A strong District of Columbia mortgage comparison should include at least two lender Loan Estimates plus one program or assistance check where available. Pair this worksheet with the affordability calculator, PMI calculator, and closing cost estimator.
Washington, DC Mortgage Shopping Notes
DC borrowers should compare the citywide mortgage-rate benchmark with condo fees, co-op rules, property taxes, cash-to-close, and local assistance options such as HPAP and DC Open Doors. This page is for planning and comparison, not a lender quote or APR offer.
- DC has only one state page in this dataset, so the city table is intentionally compact; the value is in assistance, condo/co-op, and payment-context checks rather than a long city comparison.
- DC DHCD says HPAP provides financing and closing cost assistance to qualified first-time homebuyers purchasing in the District; funds and rules can change by fiscal year.
- DCHFA DC Open Doors can pair a first trust mortgage with down payment assistance for eligible DC purchases; always compare the assistance benefit against rate, APR, and repayment terms.
- Condo dues, co-op fees, parking, and reserve requirements can change the real monthly cost more than a small rate difference in Washington, DC.
Washington, DC Loan Limit & Assistance Checks
| Area | Conforming | FHA | Why It Matters |
|---|---|---|---|
| District of Columbia conventional loans | Use FHFA lookup | Use HUD lookup | Check the current one-unit limit before assuming a loan is conforming, FHA, or jumbo. |
| HPAP-assisted purchase | Program-specific | Program-specific | HPAP is subordinate to a private first trust mortgage and has eligibility and funding rules. |
| DC Open Doors purchase | Program-specific | Program-specific | Assistance may affect rate, fees, and repayment terms; compare full APR and cash-to-close. |
Official DC Mortgage Sources
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 can use an estimated 30-year fixed benchmark 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.
For DC mortgage-rate searches, the key comparison is not only 30-year fixed rate versus 15-year fixed rate. Buyers should also check whether HPAP, DC Open Doors, EAHP, or a standard conventional loan produces the better cash-to-close and long-run repayment outcome.
Because many DC listings are condos or co-ops, compare principal and interest with HOA or co-op dues, property tax, insurance, and any special assessment risk before treating one mortgage quote as cheaper.
Use our free loan calculator to see your estimated monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Methodology & Mortgage Rate Data Sources
How we calculate District of Columbia mortgage rates: Our rate estimates start with weekly mortgage-rate benchmarks and then compare city-level housing assumptions. They are designed for planning and comparison, not as a guarantee of lender pricing.
- Benchmark mortgage rates from Freddie Mac Primary Mortgage Market Survey (PMMS) — the most-cited weekly survey of 30-year and 15-year fixed conforming rates.
- Federal Reserve rate policy tracked via FRED — Federal Reserve Economic Data — the St. Louis Fed's authoritative database of interest rate series.
- Conforming loan limits set annually by the FHFA Conforming Loan Limit announcements (District of Columbia 2026: $832,750 baseline, with higher one-unit limits in high-cost counties).
- State lending regulation context from HUD State Information pages covering FHA, down payment assistance, and housing finance agency programs in District of Columbia.
- Mortgage market trends tracked via Mortgage Bankers Association (MBA) Weekly Applications Survey — the industry benchmark for mortgage demand and rate sensitivity.
Authoritative mortgage rate data sources:
- Freddie Mac PMMS — weekly 30yr and 15yr fixed rate benchmark
- FRED — Federal Reserve Economic Data — interest rate and housing series
- FHFA — Federal Housing Finance Agency — conforming loan limits and HPI
- HUD — Housing and Urban Development — FHA programs and state assistance
- DC DHCD HPAP — Home Purchase Assistance Program rules and fund availability
- CFPB Mortgage Rate Checker — personalized rate comparison tool
- VA Home Loan Program — zero down payment loan for eligible veterans
Rate Disclaimer: Rates shown are estimates based on current market surveys and may not reflect actual lender quotes. Your rate depends on credit score, loan-to-value ratio, down payment, property type, and lender. Always obtain personalized rate quotes from multiple lenders. Rates change daily.
Reviewed by Brazora Monk · Last updated May 2026 · Freddie Mac PMMS data current as of June 4, 2026
Frequently Asked Questions — District of Columbia Mortgages
What are current mortgage rates in District of Columbia?
As of June 4, 2026, Freddie Mac's national benchmark was 6.48% for the 30-year fixed and 5.79% for the 15-year fixed. Amortio's District of Columbia city comparison shows an estimated 30-year benchmark average of 6.57% and 15-year average of 5.81%. Rates vary by city, lender, lock date, fees, 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.
Should DC buyers compare HPAP and DC Open Doors before choosing a lender?
Yes. HPAP and DC Open Doors can change cash-to-close, down payment assistance, and repayment terms. Compare the assistance benefit, first mortgage rate, APR, fees, eligibility rules, and resale or refinance plans before choosing.
Why does the DC mortgage-rate state page show only one city?
The District of Columbia is represented as one jurisdiction in this dataset. That makes the rate table short, so DC buyers should focus on program eligibility, property type, condo or co-op costs, and lender quotes.
District of Columbia Mortgage Rates by ZIP Code
Explore mortgage rates for specific ZIP codes in District of Columbia. Rates can vary by neighborhood based on local property values and lending conditions.
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