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Washington mortgage rates today

The current 30-year fixed mortgage rate is as low as 5.875%.

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Rate

5.875%

APR 6.336%

Est. Monthly Payment

$2,130

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Rate

5.250%

APR 5.988%

Est. Monthly Payment

$2,894

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Rate

5.375%

APR 6.360%

Est. Monthly Payment

$2,016

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Rate

5.625%

APR 6.591%

Est. Monthly Payment

$2,258

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Rate

5.500%

APR 6.068%

Est. Monthly Payment

$2,070

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Last updated: January 26th 2026, 4:30pm EST. The above rates are current as of January 26th 2026, 7:58pm EST. The table is updated twice every day with the current mortgage rates.

Washington Mortgage Rates FAQs

What is the average mortgage rate in Washington?

 

Washington mortgage rates impact overall borrowing costs, which in turn shapes the household economics in the Wolverine State. Rate fluctuations directly impact costs.

What are the current mortgage rates in Washington?

 

Our continuous monitoring of current Washington mortgage rates enables accurate comparisons between alternatives. Products that are fixed or variable have different benefits. There are differences between refinancing and mortgage loans. We update the numbers twice a day to ensure that the assessments are current.

Can I negotiate my mortgage rates?

 

Yes, you can. Obtaining competitive bids and demonstrating creditworthiness may help with negotiations. Purchasing points is a different route. A portion of the interest might be paid in advance to reduce the monthly obligation and the total amount owed. One point represents one percent of the total amount borrowed. One point is precisely equal to 2,575 dollars on a quarter-million-dollar debt.

Washington Mortgage Rates FAQs FAQ Image
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Mortgage rates are volatile and subject to change without notice. All rates shown are for 30-day rate locks with two and a half points for a single family owner-occupied primary residence with 750 or higher FICO and 80 LTV over a 30-year loan term except where otherwise noted and are subject to mortgage approval with full documentation of income. The APR for a 30-year and 15-year conventional fixed-rate mortgage loans are calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, a $10 flood certification fee, and a $82 credit report fee.* 15-year conventional mortgage rates are calculated with a 15-year loan term.* The APR for jumbo mortgage rates is calculated using a loan amount of $500,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee.* The APR for FHA mortgage rates is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee. Some rates and fees may vary by state.* The APR for adjustable rate mortgages (ARMs) is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee and a $82 credit report fee. Some rates and fees may vary by state. Products are subject to availability on a state-by-state basis. By refinancing your existing loan, your total finance charge may be higher over the life of the loan.