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Today's Mortgage Rates in Washington

Get a Lower rate in Washington whether you're buying, looking to get cash out of your home or lower your monthly mortgage payment.

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WA Mortgage Rate Insights

  • The 30-Year Conventional Mortgage rate is 7.250%.
  • The 30-Year Conventional Refinance rate is 7.490%.
  • Rates are current as of October 9, 2026.

Current Washington Mortgage Rates

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Mortgage Rates Trend in Washington

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Interest Rates in Washington

Washington state mortgage interest rates are set by national lending markets rather than state borders. Your credit profile, loan structure, property details and other application factors can affect the pricing offered to you.

A mortgage quote for a home in Seattle can differ from one for a property in rural Washington when the borrower, property or loan details change.

When comparing lenders, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

 If you’re considering replacing an existing Washington mortgage, compare Washington refinance rates with your current interest rate and loan term.

Types of Mortgages Available in Washington

Washingtonians buying a home face two conforming thresholds, with three counties using a higher limit than the other 36 counties.

  • A conventional fixed-rate mortgage keeps the same interest rate for the full loan term.

  • FHA loans in Washington follow separate borrower and property requirements. FHA limits are set separately from conforming limits and are published county by county.

  • Eligible borrowers can compare Washington VA loan rates. VA financing follows its own borrower and property requirements.

  • USDA loans combine borrower qualification with property eligibility and may apply when you are buying in an eligible rural part of Washington.

  • An adjustable-rate mortgage can change after its initial rate period according to the loan terms.

  • A jumbo loan finances an amount above the conforming limit that applies to the property's county. Washington's two thresholds are detailed below.

Buyers entering the market for the first time can compare first-time homebuyer loan options in Washington.

Mortgage insurance treatment varies by loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in Washington

Washington's 2026 one-unit conforming limit is $832,750 in 36 of its 39 counties and $1,063,750 in the three higher-cost counties. That creates a $231,000 difference in the jumbo threshold depending on where the property is located.

King, Pierce and Snohomish counties all use the same $1,063,750 limit. A one-unit mortgage above the limit that applies to the property's county falls into the jumbo category.

County 2026 one-unit conforming limit
King County $1,063,750
Pierce County $1,063,750
Snohomish County $1,063,750

The Federal Housing Finance Agency, or FHFA, sets conforming loan limits annually. Buyers financing above the applicable threshold can compare Washington jumbo loan rates.

These are 2026 limits for one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by county and property size.

FHA financing uses a separate county-level limit system. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements.

Washington Mortgage Payment Examples By Rate

Washington's payment examples extend to a $1,000,000 mortgage. That amount is above the $832,750 baseline used in 36 counties and below the $1,063,750 limit in the state's three higher-cost counties. Use the Washington mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount 5.50% 5.75% 6.00% 6.25% 6.50%
$1,000,000 $5,678 $5,836 $5,996 $6,157 $6,321
$900,000 $5,110 $5,252 $5,396 $5,541 $5,689
$800,000 $4,542 $4,669 $4,796 $4,926 $5,057
$700,000 $3,975 $4,085 $4,197 $4,310 $4,424
$600,000 $3,407 $3,501 $3,597 $3,694 $3,792
$500,000 $2,839 $2,918 $2,998 $3,079 $3,160
$400,000 $2,271 $2,334 $2,398 $2,463 $2,528
$300,000 $1,703 $1,751 $1,799 $1,847 $1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

Learn more about mortgage rates in Washington

Are there homebuyer assistance programs in Washington?

The Washington State Housing Finance Commission provides information about available homebuyer programs, eligibility and application requirements.

What is the conforming loan limit in Washington for 2026?

The 2026 one-unit conforming limit is $832,750 in 36 of Washington's counties and $1,063,750 in the three higher-cost counties. The county table above lists those higher-limit counties.

How can I get a lower mortgage rate?

Your credit profile, debt load and down payment can affect the pricing offered to you. Compare mortgage offers using APR as well as the interest rate. Temporary rate buydowns and seller concessions can also affect the cost or payment structure of a transaction. Compare the complete terms of the offers you receive.

How will property taxes and insurance in Washington
affect my mortgage payment?

Property taxes and homeowners insurance are usually collected monthly when your mortgage uses an escrow account. The lender holds those amounts until the bills are due, so the full monthly payment exceeds principal and interest alone. Review escrow requirements by loan type and property taxes by state and county when estimating these costs.

Find Out Why Washingtonians Love Lower

Don't take our word for it. We've got 50,000 five-star reviews and counting. Read what real customers have to say.
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5.0

Angel was very helpful with our process in buying a home he was always in contact with us kept us up to date with everything and we will send friends and family to work with him. Can’t thank you enough. Hope to continue doing business. God bles…s.

Juan V.

Verified Customer

October 9, 2026

5.0

Joshua is very knowledgeable and professional. He is thorough and pays close attention to detail. He was quick to find the best options for me and he helped me with the purchase of my new home. I highly recommend!! He looks out for your …best interest and I will always recommend him.

Exposure I.

Verified Customer

September 20, 2026

5.0

⭐⭐⭐⭐⭐ Mike and his team were absolutely amazing to work with! Communication throughout the entire process was excellent. They kept both me, as the Realtor®, and our buyer informed every step of the way and were always incredibly quick to respon…d whenever we had questions. This was a first-time homebuyer, and they did such a great job explaining the process, answering questions, and making everything feel easy and manageable for her. We made it to the closing table smoothly, with low fees and no unexpected hiccups! I truly appreciate lenders who communicate well and take care of their clients from start to finish. I would absolutely recommend Mike and his team and look forward to working with them again!

Alex S.

Verified Customer

September 15, 2026

5.0

It was a highly positive experience for me because Doug was consistently available. Regardless of the time of day, he always answered my calls. Additionally, he arranged to cover the cost of my appraisal, regardless of the amount. I truly appre…ciate any form of assistance, and I am especially grateful to Doug and his colleagues for their support throughout the home purchasing process.

Koreena B.

Verified Customer

September 6, 2026

5.0

Terri was extremely responsive and helpful with any and all questions about the process. We didn't even know where to begin as first time homebuyers, and her communication and guidance through the process was essent…ial in our successful mortgage loan and house purchase.

Trace S.

Verified Customer

September 1, 2026

5.0

They made the entire home-buying process feel smooth and stress-free from beginning to end. Any questions we had were always answered quickly, and they were consistently available whenever we needed guidance or clarification. They made us feel …comfortable, supported, and confident throughout the entire process. They also took the time to work with our budget and help us find an option that worked best for our family. We truly appreciate all of their hard work, patience, and dedication in helping us become homeowners. We couldn’t have asked for a better lending team and would highly recommend them to anyone looking to purchase a home!

Guadalupe M.

Verified Customer

September 7, 2026

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