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Washington Mortgage Calculator

Calculate your Washington mortgage payment with state-specific property tax rates (0.98% average), income tax (No state income tax), and 2026 conforming loan limits.

Washington-Specific Inputs

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Washington Property Tax

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WA average: 0.98%

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Other costs

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Washington Mortgage Overview

Washington has no state income tax but high home prices.

2026 Conforming Loan Limits

  • Single-family: $806,500
  • Two-unit: $1,032,320
  • Three-unit: $1,250,075
  • Four-unit: $1,548,480

Some expensive markets have elevated limits reaching $1,209,750.

Washington Income Tax Rates (2026)

Washington has a state income tax with rates of No state income tax.

Washington Property Tax

Property taxes in Washington average 0.98%. Check with your county tax office for the exact rate.

First-Time Homebuyer Programs

Washington State Housing Finance Commission offers down payment assistance and favorable loan terms for qualifying first-time buyers in Washington.

Washington Mortgage FAQ

What is the average property tax rate in Washington?
What is the income tax in Washington?
What are Washington's conforming loan limits for 2026?
Are there first-time homebuyer programs in Washington?
How much do I need for a down payment in Washington?

Related resources

National Mortgage Calculator → WA Paycheck Calculator → Affordability Calculator → Down Payment Calculator → All State Calculators → How Much House Can I Afford? →