Mortgage Rates in Walla Walla, Washington — March 2026
Updated March 2026 | Based on Walla Walla market data and regional lending conditions
Walla Walla is a growing city in Washington with a population of 33,927. The current 30-year fixed mortgage rate in Walla Walla is 6.54%, which is 0.11% below the national average. With a median home price of $345,000 and a 20% down payment of $69,000, homebuyers can expect a monthly principal and interest payment of approximately $1,752.
Current Mortgage Rates in Walla Walla, WA
Below are the current average mortgage rates available in the Walla Walla 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 | 6.54% | 6.65% | -0.11% |
| 15-Year Fixed | 5.78% | 5.89% | -0.11% |
| 5/1 ARM | 6.04% | 6.15% | -0.11% |
| FHA | 6.14% | 6.25% | -0.11% |
| VA | 5.94% | 6.05% | -0.11% |
| Jumbo | 6.74% | 6.85% | -0.11% |
Walla Walla Housing Market Overview
The Walla Walla housing market reflects moderate demand with prices near the national average. The median household income in Walla Walla is $42,000, and the cost of living index is 96 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $87,300 to comfortably afford the median-priced home in Walla Walla, which exceeds the current median household income.
Monthly Payment Breakdown for Walla Walla
Based on the median home price of $345,000 with 20% down ($69,000), here is what you can expect to pay monthly in Walla Walla:
15-Year vs. 30-Year Mortgage in Walla Walla
Choosing a 15-year mortgage in Walla Walla at 5.78% instead of a 30-year at 6.54% would save you $217,440 in total interest over the life of the loan. However, your monthly payment would be $2,296 instead of $1,752 — an increase of $544 per month.
Calculate Your Walla Walla 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 Walla Walla
What are the current mortgage rates in Walla Walla, WA?
As of March 2026, the average 30-year fixed mortgage rate in Walla Walla, Washington is 6.54%, while the 15-year fixed rate is 5.78%. FHA loans average 6.14% and VA loans 5.94%. These rates are 0.11% below the national average of 6.65%.
How much is a monthly mortgage payment in Walla Walla?
Based on the median home price of $345,000 with 20% down, the estimated monthly mortgage payment in Walla Walla is $1,752 for principal and interest. Including property taxes of $285/month, the total monthly housing cost is approximately $2,037.
What income do I need to buy a home in Walla Walla?
Using the 28% rule, you would need an annual income of approximately $87,300 to afford the median-priced home in Walla Walla at $345,000. The median household income in Walla Walla is $42,000. This means most households would need to either earn above the median or consider homes below $345,000.
Is Walla Walla a good place to buy a home in 2026?
Walla Walla offers a below-average cost of living with a cost of living index of 96 (national average = 100). The property tax rate in Washington is 0.99%, which is near the national average. Walla Walla has a population of 33,927 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 Walla Walla, Washington area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.