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.
August 12, 2025
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 $487,773
Based on current mortgage rates and a 10% down payment, you need to make $101,757 per year to buy the median priced home in Vancouver
With this income, you could qualify for a $438,996 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 $2,357
The median household income for Vancouver, WA (Clark County) is $85,061
Based on this income, you can afford a home valued at approximately $407,739
The home price you can afford to buy based on household income in Vancouver is 84% of the median home value which means housing prices are expensive. Vancouver (Clark County) ranks 25 out of 39 counties in Washington and 2,969 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 expensive
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
FHA loan limits for Vancouver, WA