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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 8, 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

Doug was extremely knowledgeable, friendly and easy to talk to. He guided us through the whole process step by step with great detail and made everything very easy for us to understand. Doug was able to work with our unique situation of being r…etired and military veterans and and helped us get the best possible rates and results. We would absolutely recommend Doug and lower mortgage to anybody that is buying a home! 10 out of 10 wonderful experience. Thank you so much Doug and the team!

Jackie R.

Verified Customer

August 26, 2026

5.0

This process took well over a year and every time we had even the slightest challenge, Erica had a solution at the ready. So there was never a reason to worry. This was our 11th purchase with Erica and we …are as thrilled as ever with her service and attention to detail.

Hudson I.

Verified Customer

August 22, 2026

5.0

From day one, Mike had our backs with the home loan process. Easy going, respectful, responsive and extremely knowledgeable .. the list goes on and on. We came out of our new home purchase knowing that we …were appreciated and very well taken care of with the financial aspect! Cheers to Mike!

Ronald B.

Verified Customer

August 7, 2026

5.0

I had a great experience working with Terri! She was extremely communicative and helpful throughout what can often be a stressful process, especially for first-time homebuyers like my wife and me. I'd recommend working with her to anyone.

Tracesauveur N.

Verified Customer

September 3, 2026

5.0

We had an outstanding experience with Lower Mortgage, and I can’t say enough good things about Eva and Tanner. From the beginning, they were professional, responsive, knowledgeable, and incredibly easy to work with. Buying a home and working th…rough the mortgage process can be stressful, especially when there are a lot of moving pieces, but Eva and Tanner made the entire process feel organized and manageable. They were always available when we had questions, explained our options clearly, and kept us informed every step of the way. What impressed us most was that we never felt like just another loan in the pipeline. Eva and Tanner genuinely seemed invested in making sure everything went smoothly and that we were comfortable with the decisions we were making. Communication was excellent, deadlines were handled without drama, and there were no unpleasant surprises at the finish line. Lower Mortgage was extremely competitive, but the service from Eva and Tanner is what really made the experience stand out. They delivered exactly what they said they would and helped make what could have been a stressful process remarkably smooth. We would absolutely use Lower Mortgage again and would recommend Eva and Tanner without hesitation. Five stars and a huge thank you to both of them!

John J.

Verified Customer

September 26, 2026

5.0

I had a great experience working with Terri! She was extremely communicative and helpful throughout what can often be a stressful process, especially for first-time homebuyers like my wife and me. I'd recommend working with her to anyone.

Trace S.

Verified Customer

September 3, 2026

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