Current Mortgage Rates in Vancouver, Washington

Compare mortgage rates and fees for leading lenders in Vancouver, WA. 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 lender offering the best 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.

Mortgage Rates in Vancouver, WA as of September 20, 2020
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.


How Do Today's Vancouver, WA Mortgage Rates Compare?

September 20, 2020

The current average rate for a 30 year fixed rate mortgage in Vancouver is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Vancouver, WA Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

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 $369,842

Based on current mortgage rates and a 10% down payment, you need to make $66,562 per year to buy the median priced home in Vancouver

With this income, you could qualify for a $332,858 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 $1,541

The median household income for Vancouver, WA (Clark County) is $71,538

Based on this income, you can afford a home valued at approximately $397,493

The home price you can afford to buy based on household income in Vancouver is 107% of the median home value which means housing prices are average. Vancouver (Clark County) ranks 24 out of 39 counties in Washington and 2,946 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


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: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for Vancouver, WA

1 unit: $491,050
2 units: $628,600
3 units: $759,850
4 units: $944,350

VA loan limits for Vancouver, WA

1 unit: $510,400

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