Washington Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Washington. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
6.97%
Avg APR
15yr Fixed
6.37%
Avg APR
Median Price
$575,000
Median home
Monthly P&I
$3,067
30yr at 80% LTV
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Top Mortgage Lenders in Washington
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Washington
- ✓WSHFC Home Advantage
- ✓WSHFC House Key Opportunity
- ✓WSHFC Down Payment Assistance
Mortgage Requirements in Washington
- •Min 640 credit score for WSHFC programs
- •Income limits apply
- •Homebuyer education required
Washington Housing Market Facts
Seattle metro is one of the most competitive housing markets in the US.
No state income tax, but Washington has a capital gains tax on home profits.
WSHFC provides DPA up to $10,000 or 3-4% of loan amount.
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