Mortgage Rates in Washington — March 2026
Compare current mortgage rates across 13 cities in Washington. The average 30-year fixed rate is 6.57%, which is 0.08% below the national average of 6.65%.
Washington Housing Highlights
All 13 Cities in Washington
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Seattle | 6.57% | $825,000 | $4,202 | 737,015 |
| Spokane | 6.57% | $345,000 | $1,757 | 228,989 |
| Tacoma | 6.57% | $445,000 | $2,267 | 219,346 |
| Vancouver | 6.57% | $445,000 | $2,267 | 190,915 |
| Bellevue | 6.57% | $1,150,000 | $5,857 | 151,854 |
| Kent | 6.57% | $495,000 | $2,521 | 136,588 |
| Everett | 6.57% | $545,000 | $2,776 | 110,629 |
| Renton | 6.57% | $595,000 | $3,031 | 106,785 |
| Federal Way | 6.57% | $465,000 | $2,368 | 99,037 |
| Yakima | 6.57% | $275,000 | $1,401 | 96,968 |
| Bellingham | 6.57% | $585,000 | $2,980 | 95,368 |
| Kennewick | 6.57% | $365,000 | $1,859 | 84,347 |
| Olympia | 6.57% | $445,000 | $2,267 | 55,605 |
Washington Mortgage Rates Guide — 2026
Washington homebuyers currently see an average 30-year fixed mortgage rate of 6.57%, with median home prices around $536,923. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $2,735.
The most affordable city for homebuyers in Washington is Yakima, where the median home price is $275,000. On the other end, Bellevue has the highest prices at $1,150,000. Property tax rates across the state average 0.93%.
To comfortably afford a home at the state average price, a household income of approximately $117,214 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 — Washington Mortgages
What are current mortgage rates in Washington?
As of March 2026, the average 30-year fixed mortgage rate in Washington 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 Washington?
The median home price across 13 cities in Washington is $536,923. Prices range from $275,000 in Yakima to $1,150,000 in Bellevue.
How much income do I need to buy a house in Washington?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $117,214 to comfortably afford the average home in Washington. The median household income in the state is approximately $66,891.
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