Compare Yakima, 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 Yakima.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Yakima. 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 Yakima. Understand how much you need to earn to afford a home in Yakima, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Yakima 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 Yakima is right for you.
The median home value for Yakima, WA is $280,235
Based on current mortgage rates and a 10% down payment, you need to make $58,462 per year to buy the median priced home in Yakima
With this income, you could qualify for a $252,212 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 Yakima is $1,354
The median household income for Yakima, WA is $61,903
Based on this income, you can afford a home valued at approximately $296,731
The home price you can afford to buy based on household income in Yakima is 106% of the median home value which means housing prices are average. Yakima ranks 9 out of 39 counties in Washington and 2,746 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Yakima, WA is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Yakima below.
Conforming loan limits for Yakima, WA
FHA loan limits for Yakima, WA