Washington mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| King County | 18,534 | 6.375% | $6,686 | 6% |
| Pierce County | 9,500 | 6.495% | $9,177 | 6% |
| Snohomish County | 7,923 | 6.458% | $7,300 | 6.125% |
| Spokane County | 5,607 | 6.49% | $7,813 | 6.125% |
| Clark County | 5,390 | 6.49% | $7,019 | 6.125% |
| Kitsap County | 3,087 | 6.375% | $8,470 | 6.123% |
| Thurston County | 3,078 | 6.49% | $8,809 | 5.99% |
| Benton County | 2,536 | 6.49% | $9,250 | 6.125% |
| Whatcom County | 2,003 | 6.5% | $7,148 | 6.125% |
| Yakima County | 1,746 | 6.625% | $8,706 | 6.25% |
| Cowlitz County | 1,301 | 6.573% | $9,461 | 6.125% |
| Skagit County | 1,123 | 6.625% | $8,114 | 6.125% |
| Island County | 987 | 6.49% | $8,546 | 6.125% |
| Lewis County | 931 | 6.5% | $9,455 | 6.25% |
| Grant County | 917 | 6.5% | $9,932 | 6.25% |
| Franklin County | 903 | 6.375% | $9,368 | 6.25% |
| Mason County | 847 | 6.625% | $9,108 | 6.125% |
| Grays Harbor County | 774 | 6.625% | $7,925 | 6.125% |
| Clallam County | 773 | 6.588% | $7,063 | 6.25% |
| Chelan County | 676 | 6.5% | $9,146 | 6.25% |
| Kittitas County | 553 | 6.5% | $7,723 | 6.375% |
| Walla Walla County | 489 | 6.5% | $7,480 | 6.25% |
| Douglas County | 424 | 6.5% | $10,081 | 6.125% |
| Stevens County | 375 | 6.625% | $7,947 | 6.125% |
| Whitman County | 344 | 6.625% | $5,766 | 6.125% |
| Jefferson County | 285 | 6.5% | $8,218 | 6.124% |
| Okanogan County | 238 | 6.625% | $7,987 | 6.375% |
| Pacific County | 235 | 6.5% | $7,640 | 6.125% |
| Klickitat County | 215 | 6.625% | $8,411 | 6.25% |
| Asotin County | 212 | 6.5% | $6,592 | 6.125% |
| Pend Oreille County | 145 | 6.625% | $9,500 | 6.25% |
| Skamania County | 123 | 6.622% | $8,430 | 6.375% |
| Adams County | 116 | 6.375% | $8,920 | 6.25% |
| Lincoln County | 114 | 6.625% | $8,028 | 6.25% |
| San Juan County | 93 | 6.75% | $7,448 | 6.625% |
| Columbia County | 46 | 6.625% | $8,480 | 5.999% |
| Wahkiakum County | 43 | 6.575% | $9,506 | 5.933% |
| Ferry County | 31 | 6.75% | $7,695 | 6.433% |
| Garfield County | 26 | 6.75% | $6,888 | 6.125% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.