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Vancouver

Compare Current Vancouver, Washington Mortgage Rates

Compare Vancouver, WA mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Vancouver.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Vancouver. Plus, shopping lenders is free and there is no obligation.

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Vancouver, WA Mortgage Rates as of October 1, 2022
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Data provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.
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Compare Today's Vancouver, WA Mortgage Rates

October 1, 2022

Current mortgage rates in Vancouver, WA are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Today's
Vancouver, WA Rates
National
Average
Comparison
30 Year Fixed Rate
%
6.290%
15 Year Fixed Rate
%
5.440%
5/1 Adjustable Rate Mortgage
%
4.970%

How Affordable is Housing in Vancouver, Washington?

Below we provide helpful information on the real estate market, home prices and housing affordability in Vancouver. Understand how much you need to earn to afford a home in Vancouver, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Vancouver fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Vancouver is right for you.

The median home value for Vancouver, WA (Clark County) is $464,492

Based on current mortgage rates and a 10% down payment, you need to make $76,105 per year to buy the median priced home in Vancouver

With this income, you could qualify for a $418,043 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Vancouver is $1,762

The median household income for Vancouver, WA (Clark County) is $87,070

Based on this income, you can afford a home valued at approximately $531,412

The home price you can afford to buy based on household income in Vancouver is 114% of the median home value which means housing prices are average. Vancouver (Clark County) ranks 22 out of 39 counties in Washington and 2,940 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Vancouver, WA is average

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Loan Limits for Vancouver, Washington

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Vancouver (Clark County) below.

Conforming loan limits for Vancouver, WA

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Vancouver, WA

1 unit: $598,000
2 units: $765,550
3 units: $925,350
4 units: $1,150,000

VA loan limits for Vancouver, WA

1 unit: $647,200

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