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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 6.250%.
  • The 30-Year Conventional Refinance rate is 6.375%.
  • Rates are current as of July 29, 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

There is NOONE like Murdock! He listens, then advises. He manages to "mange" the underwrighting process and he pushes through any/every amount of underwrighting red-tape ... he gets my clients approved in days, not weeks! I have not purchased a property recently yet he has articulately handled my personal and business, property loans with aplomb. Vicki Foster Briggs Freeman Sotheby's Intl Realty, Inc DBest 214-642-8966 vfoster@briggsfreeman.com

Vicki F.

Verified Customer

August 16, 2026

5.0

I don’t have enough words to speak on how amazing Cheryl was in the purchase of my home. I thought it was impossible, and it was a goal that I had wanted for several years. When I connected with Cheryl, she set reasonable expectations but was encouraging throughout the entire time. She was patient when we looked through dozens of houses, responsive during crunch times, and supportive when we felt discouraged. Thanks to Cheryl and her team, I was able to close on a home in South Florida in 2026. Cheryl worked with us and made the numbers make sense for my household. I’m so grateful to have been able to have her on our side, and I would HIGHLY recommend her if you’re trying to buy a home.

Victoria H.

Verified Customer

July 19, 2026

5.0

Lower Mortgage is a great team Scott helped me get approved for a ln excellently amount to purchase my Dream Home!

Dat S.

Verified Customer

May 27, 2026

5.0

Michael has been great to work with. He has already helped us in our purchase of 2 rental properties and working on our 3rd. We love his advise and knowledge he shares with us. Thank you Michael

Levi H.

Verified Customer

July 17, 2026

5.0

Eric and the entire Lower team were amazing! They were professional, responsive, and always kept me updated throughout the process. They worked incredibly hard to resolve my appraisal transfer and made sure we stayed on track to close on time. As a first-time homebuyer, I truly appreciated their patience, communication, and dedication. Thank you for making this such a smooth and positive experience. Highly recommend!

Cheryl C.

Verified Customer

July 31, 2026

5.0

Great communication. Very helpful and responsive to all my questions. Highly recommended for your next home purchase!

Michelle A.

Verified Customer

July 23, 2026

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