Lacey, Washington Mortgage Rates - October 2026
Brian McKay
Brian McKay
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Lacey, Washington mortgage rates range from 5.50% to 10.25%, verified by MonitorBankRates as of October 20, 2026. Current 30-year fixed mortgage rates in Lacey, Washington include BECU Boeing Employees Credit UnionBECU Boeing Employees Credit Union1320 Marvin Rd NE STE C, Lacey, WA, 98516A+5.0 ★Texas Ratio: 2.16% at 7.043%, South Bay Credit UnionSouth Bay Credit UnionA+5.0 ★Texas Ratio: 3.71% at 6.75%, HAPO Community Credit UnionHAPO Community Credit UnionA+5.0 ★Texas Ratio: 1.09% at 6.75%, Whatcom Educational Credit UnionWhatcom Educational Credit UnionA+5.0 ★Texas Ratio: 4.66% at 6.875%, and First Fed BankFirst Fed BankA5.0 ★Texas Ratio: 12.33% at 6.99%. Mortgage rates as of October 20, 2026 according to verified data from MonitorBankRates.
Lacey borrowers can compare 145 mortgage rates from 19 lenders serving the Washington area, including 3 local, with rates as low as 6.708% from BECU Boeing Employees Credit Union at 1320 Marvin Rd NE STE C, Lacey, WA, 98516. Use the tabs below to compare all available loan types and terms. Rates are continually updated, so we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to Washington borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 20, 2026
Compare Mortgage Rates Today in Lacey, Washington & the Surrounding Area
Lacey 30 Year Fixed Mortgage Rates
VA 30 Year Fixed; VA Purchase 0% Down; APR Effective 10/16/2026
FHA 30 Year Fixed; APR Effective 10/16/2026
30 Year Fixed Construction; 12 month construction term; APR Effective 10/16/2026
As Low As; Interest rate 6.750%, APR 6.957%; Fixed-rate mortgage
Fixed 360 Months; Interest only payments during construction
Example loan $300,000; effective date 10/16/2026; owner occupied 1-4 unit purchase or refinance; APR includes 1% lender fee
Ex. loan amount $500,000.00; Ex.; primary residence, single family home, 0% equity, borrower credit score 780; Effective 10/15/2026
Rates effective 10/15/2026; primary residence in single family home with 10% equity and borrower credit score of 780; Example loan amount $459,675.00; Example
As Low As; Today's rates section; APR*
- Oct 19, 20267.21%▼ from 7.37%
- Sep 29, 20267.37%▲ from 7.00%
- Sep 18, 20267.00%first recorded
No additional details available.
- Oct 19, 20267.22%▼ from 7.35%
- Oct 9, 20267.35%▲ from 7.08%
- Sep 18, 20267.08%first recorded
1-month payment: $2,779.09; Principal and interest only; APR based on no cash-out refinance, LTV 75%, loan amount $412,500.00, Multnomah County, Oregon
- Oct 19, 20267.23%▼ from 7.35%
- Oct 13, 20267.35%first recorded
Purchase: Conforming Loan Rates; Interest Rates Effective: 10/15/2026; primary residence, single family home, 25% down payment, credit score 780
Effective: 10/15/2026; primary residence, single family home, 25% down payment, credit score 780
Fixed 360 Months
States: NY; Rate/term refinance; $250,000 conforming loan, owner-occupied, max 75% LTV, 740+ FICO, 60-day lock; includes 0.25% relationship/autopay discount; updated October 2, 2026
Ex: Loan Amount $375,000.00; Ex:; Interest Rates Effective 10/15/2026; primary residence in manufactured home with 25% down payment and borrower credit score of 780
Rate-and-Term Refinance; Effective: 10/15/2026; Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780.
Example Loan: $300,000; Effective 10/16/2026; Owner occupied, single-family purchase, 25% down, credit score 780
- Oct 19, 20267.38%▼ from 7.51%
- Oct 13, 20267.51%first recorded
Example Loan: $300,000; Effective 10/16/2026; Owner occupied, single-family refinance, 75% LTV, credit score 780
Home Loans; Rates accurate as of 10/16/2026
- Oct 19, 20267.44%▼ from 7.48%
- Oct 13, 20267.48%▼ from 7.60%
- Oct 2, 20267.60%▲ from 7.22%
- Sep 22, 20267.22%▲ from 7.20%
Ex Loan Amount: $375,000.00; Ex; Primary residence in manufactured home with 25% equity and borrower credit score of 780; Interest Rates Effective: 10/15/2026
Home Loans; Rates accurate as of 10/16/2026
- Oct 13, 20267.48%▲ from 7.35%
- Oct 2, 20267.35%▲ from 7.23%
- Sep 18, 20267.23%▲ from 7.10%
- Sep 14, 20267.10%first recorded
Rates effective 10/14/2026; FHA APR based on $400,000 loan with 3.5% down; rates based on purchase of a primary residence; rates include a 1% loan fee
Fixed 360 Months
Fixed 360 Months
States: AK, CO, ID, IN, MA, MI, OH, OR, PA, UT, VT, WA; Rate/term refinance; $250,000 conforming loan, owner-occupied, max 75% LTV, 740+ FICO, 60-day lock; includes 0.25% relationship/autopay discount; updated October 2, 2026
States: ME; Rate/term refinance; $250,000 conforming loan, owner-occupied, max 75% LTV, 740+ FICO, 60-day lock; includes 0.25% relationship/autopay discount; updated October 2, 2026
Refinance: Cash-out Refi Rates; Rates effective 10/15/2026; primary residence in single family home with 25% equity and borrower credit score of 780; Example: $450,000 includes $150,000 cash out
- Oct 20, 20267.59%▼ from 7.84%
- Oct 7, 20267.84%first recorded
Ex Loan Amount: $325,000.00; Ex; Rates listed for primary residence in single family home with 35% equity and borrower credit score of 780; Rates effective 10/15/2026
Rates effective 10/14/2026; Fixed Rates; Rates include a 1% loan fee, based on $400,000 loan with 20% down payment; rates based on purchase of a primary residence
- Oct 8, 20267.62%▲ from 7.61%
- Oct 2, 20267.61%▲ from 7.36%
- Sep 25, 20267.36%first recorded
Conforming mortgage; rates shown for select New York counties only
- Oct 20, 20267.69%▼ from 7.90%
- Oct 14, 20267.90%▼ from 7.90%
- Sep 27, 20267.90%first recorded
Fixed 360 Months
Jumbo mortgage; New York only; 65% LTV, credit score 740, 60-day rate lock
- Oct 20, 20267.82%▼ from 7.94%
- Oct 14, 20267.94%▼ from 7.96%
- Oct 7, 20267.96%first recorded
Conforming refinance mortgage; rates shown for listed New York counties only; based on 80% LTV, credit score of 740, and 60-day lock period
- Oct 20, 20267.86%▼ from 7.90%
- Oct 14, 20267.90%▼ from 7.90%
- Sep 27, 20267.90%first recorded
Conforming mortgage refinance; rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie); based on 80% LTV, credit score 740, 60-day lock
- Oct 20, 20267.86%▼ from 7.90%
- Oct 14, 20267.90%first recorded
Rates effective 10/14/2026; Fixed Rates; Investment property with 25% down; Rates include a 1% loan fee
- Oct 2, 20267.94%▲ from 7.70%
- Sep 25, 20267.70%first recorded
Investment property; Example Loan: $300,000; Effective 10/16/2026; Single-family purchase, 25% down, credit score 780
- Oct 19, 20267.98%▼ from 8.03%
- Oct 13, 20268.03%first recorded
Investment property; Example Loan: $300,000; Effective 10/16/2026; Single-family refinance, 75% LTV, credit score 780
Lacey 15 Year Fixed Mortgage Rates
As Low As; Fixed rate
Example loan $300,000; effective date 10/16/2026; owner occupied 1-4 unit purchase or refinance; APR includes 1% lender fee
Fixed 180 Months; Interest only payments during construction
No additional details available.
- Oct 19, 20266.62%▼ from 6.77%
- Oct 9, 20266.77%▲ from 6.50%
- Sep 18, 20266.50%first recorded
1-month payment: $3,593.32; Principal and interest only; APR based on no cash-out refinance, LTV 75%, loan amount $412,500.00, Multnomah County, Oregon
- Oct 19, 20266.68%▼ from 6.82%
- Oct 13, 20266.82%first recorded
As Low As; No closing costs* (first mortgage only); *No fee loan with early closure penalty if loan is closed within the first 24 months; Contact us to get started
States: CT; Rate/term refinance; $250,000 conforming loan, owner-occupied, max 75% LTV, 740+ FICO, 60-day lock; includes 0.25% relationship/autopay discount; updated October 2, 2026
Purchase: Conforming Loan Rates; Interest Rates Effective: 10/15/2026; primary residence, single family home, 25% down payment, credit score 780
Effective: 10/15/2026; primary residence, single family home, 25% down payment, credit score 780
Example Loan: $300,000; Effective 10/16/2026; Owner occupied, single-family refinance, 75% LTV, credit score 780
Example Loan: $300,000; Effective 10/16/2026; Owner occupied, single-family purchase, 25% down, credit score 780
- Oct 19, 20266.85%▼ from 6.96%
- Oct 13, 20266.96%first recorded
States: AK, CO, ID, IN, MA, MI, OH, OR, PA, UT, VT, WA; Rate/term refinance; $250,000 conforming loan, owner-occupied, max 75% LTV, 740+ FICO, 60-day lock; includes 0.25% relationship/autopay discount; updated October 2, 2026
States: ME; Rate/term refinance; $250,000 conforming loan, owner-occupied, max 75% LTV, 740+ FICO, 60-day lock; includes 0.25% relationship/autopay discount; updated October 2, 2026
Rates effective 10/14/2026; Fixed Rates; Rates include a 1% loan fee, based on $400,000 loan with 20% down payment; rates based on purchase of a primary residence
- Oct 8, 20266.94%▲ from 6.86%
- Oct 2, 20266.86%▲ from 6.73%
- Sep 25, 20266.73%first recorded
Rate-and-Term Refinance; Effective: 10/15/2026; Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780.
- Oct 20, 20266.98%▼ from 7.10%
- Oct 14, 20267.10%▼ from 7.11%
- Oct 2, 20267.11%first recorded
Conforming mortgage; rates shown for select New York counties only
- Oct 20, 20267.01%▼ from 7.50%
- Oct 14, 20267.50%▲ from 7.39%
- Sep 27, 20267.39%first recorded
Home Loans; Rates accurate as of 10/16/2026
- Oct 19, 20267.08%▼ from 7.16%
- Oct 13, 20267.16%▼ from 7.29%
- Oct 2, 20267.29%▲ from 6.93%
- Sep 22, 20266.93%▲ from 6.82%
Conforming refinance mortgage; rates shown for listed New York counties only; based on 80% LTV, credit score of 740, and 60-day lock period
- Oct 20, 20267.25%▼ from 7.50%
- Oct 14, 20267.50%▲ from 7.39%
- Sep 27, 20267.39%first recorded
Conforming mortgage refinance; rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie); based on 80% LTV, credit score 740, 60-day lock
- Oct 20, 20267.25%▼ from 7.50%
- Oct 14, 20267.50%first recorded
Ex: Loan Amount $375,000.00; Ex:; Interest Rates Effective 10/15/2026; primary residence in manufactured home with 25% down payment and borrower credit score of 780
- Oct 20, 20267.25%▼ from 7.63%
- Oct 14, 20267.63%first recorded
As Low As; Assumes $180,000 loan amount, 1% origination and document fee, 80% LTV; includes 1/4% automatic payment discount and 1/4% additional services discount
- Oct 13, 20267.25%▲ from 6.20%
- Sep 14, 20266.20%first recorded
Ex Loan Amount: $375,000.00; Ex; Primary residence in manufactured home with 25% equity and borrower credit score of 780; Interest Rates Effective: 10/15/2026
Fixed 180 Months
Ex Loan Amount: $325,000.00; Ex; Rates listed for primary residence in single family home with 35% equity and borrower credit score of 780; Rates effective 10/15/2026
- Oct 20, 20267.40%▼ from 7.78%
- Oct 14, 20267.78%first recorded
Fixed 180 Months
Refinance: Cash-out Refi Rates; Rates effective 10/15/2026; primary residence in single family home with 25% equity and borrower credit score of 780; Example: $450,000 includes $150,000 cash out
- Oct 20, 20267.49%▲ from 7.36%
- Oct 1, 20267.36%first recorded
Fixed 180 Months
Fixed 180 Months
Published APR range: 9.75% - 10.75%. Amount financed (LTV of current appraised value): Up to 75%
Published APR range: 10.00% - 10.50%. Amount financed (LTV of current appraised value): 75.01%-80%
Published APR range: 10.25% - 10.75%. Amount financed (LTV of current appraised value): Up to 60%
Lacey 5/1 ARM Mortgage Rates
5 Year ARM (5yr/6mo); Adjusts every 6 months, after initial five-year period; APR Effective 10/16/2026
As Low As; Interest rate 5.500%, APR 5.692%; 5/1 adjustable-rate mortgage
Max. LTV: 95%; Loan Fee: 0.500%
- Oct 19, 20266.00%▼ from 7.39%
- Oct 19, 20267.39%first recorded
Max. LTV: 95%; Loan Fee: 0.500%; P&I Payment Based On $100,000: ($591.54); Maximum Loan Amount: $850,000
- Oct 19, 20266.00%▼ from 7.51%
- Oct 14, 20267.51%first recorded
Max. LTV: 100%; Loan Fee: 0.750%; P&I Payment Based On $100,000: ($591.54); Maximum Loan Amount $806,500 (except Snohomish/King/Pierce County $1,037,300)
- Oct 19, 20266.02%▼ from 7.54%
- Oct 14, 20267.54%▲ from 6.02%
- Oct 6, 20266.02%first recorded
Jumbo mortgage; New York only; 65% LTV, credit score 740, 60-day rate lock
- Oct 20, 20266.79%▼ from 6.83%
- Oct 14, 20266.83%▲ from 6.76%
- Oct 7, 20266.76%▲ from 6.75%
- Oct 1, 20266.75%first recorded
No additional details available.
Non-Owner Occupied; 5/1 ARM; Max. LTV 85%; Loan Fee 2.000%; Maximum Adjustable Rate Loan Amount $850,000; Mortgage Program rates effective as of: 02/10/2026
- Oct 19, 20266.90%▼ from 8.44%
- Oct 14, 20268.44%first recorded
As Low As; Type: 5/1/30; NY ONLY - APR* as low as (0 pts.)
No additional details available.
As Low As; Type: 5/1/30; APR* as low as (0 pts.)
Interest rate: 6.625% first 5 years; then 1 year CMT + 3.00 adjusted annually for years 6-30; Ex. loan amount $450,000.00; Ex. monthly payment 7 years $2,881.40; Ex. monthly payment 23 years $4,499.28 maximum P&I payment over the remaining 25 years; Effective 10/15/2026; primary residence, single family, 25% down, credit score 780; rate caps 1% initial, 2% subsequent, 5% lifetime
- Oct 20, 20267.21%▼ from 7.26%
- Oct 14, 20267.26%first recorded
Max LTV: 95%; Loan Fee: 0.500%; P&I Pmt based on $100,000: ($682.18); Conventional Owner Occupied; Maximum Loan Amount $850,000
Max. LTV: 95%; Loan Fee: 0.500%; Maximum Loan Amount: $850,000
- Oct 19, 20267.39%▼ from 7.51%
- Oct 14, 20267.51%first recorded
Primary residence purchase; Max. LTV 100%; Loan Fee 0.750%; Maximum Loan Amount $832,650 (Snohomish/King/Pierce County $1,063,750); Mortgage Program rates effective as of 10/15/2026
- Oct 19, 20267.41%▼ from 7.54%
- Oct 14, 20267.54%first recorded
Max. LTV: 100%; Loan Fee: 0.750%; Maximum Loan Amount $832,650; Snohomish/King/Pierce County Maximum Loan Amount $1,063,750
- Oct 19, 20267.41%▼ from 7.54%
- Oct 14, 20267.54%▲ from 6.02%
- Oct 6, 20266.02%first recorded
1-month payment: $2,779.09; Principal and interest only; Adjustable rate, subject to change during loan term; APR based on no cash-out refinance, LTV 75%, loan amount $412,500.00, Multnomah County, Oregon
- Oct 19, 20267.62%▼ from 7.67%
- Oct 9, 20267.67%first recorded
Non-Owner Occupied; Adjustable Rate; Max. LTV: 85%; Loan Fee: 2.000%; P&I Pmt based on $100,000: ($733.76); Adjustable Rate Maximum Loan Amount $850,000
Lacey 30-Year Jumbo Mortgage Rates
As Low As; Adjustable-rate mortgage loans; Rates as of Oct 19, 2026 ET
- Oct 20, 20266.83%▼ from 6.87%
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
Jumbo 30-Year Fixed; APR Effective 10/16/2026
7-year fixed-rate period, adjusts yearly; Based on $940,000 loan amount and down payment of at least 25%; Rates current as of 10/19/2026
based on $940,000 loan and at least 25% equity; 7-year fixed period, adjusts yearly; current as of 10/19/2026
10-year fixed-rate period, adjusts yearly; Based on $940,000 loan amount and down payment of at least 25%; Rates current as of 10/19/2026
Jumbo loan; advertised rate assumes single-family primary residence, 720 FICO, 20% down; Rates as of Oct 19, 2026 ET
based on $940,000 loan and at least 25% equity; 10-year fixed period, adjusts yearly; current as of 10/19/2026
30 Year Fixed Jumbo Construction; 12 month construction term; APR Effective 10/16/2026
Based on $940,000 loan amount and down payment of at least 25%; Rates current as of 10/19/2026
Based on $940,000 loan amount and down payment of at least 25%; Rates current as of 10/19/2026
based on $940,000 loan and at least 25% equity; current as of 10/19/2026
based on $940,000 loan and at least 25% equity; current as of 10/19/2026
As Low As; Exclusive for Servicemembers, Reservists and Veterans who have exhausted their VA loan benefit; no down payment required; assumes single-family primary residence, 720 FICO, 0% down
Advertised rate assumes single-family primary residence, 720 FICO, 0% down payment; Rates as of Oct 19, 2026 ET
- Oct 20, 20268.48%▼ from 8.61%
- Oct 1, 20268.61%first recorded
Example Loan: $900,000; Effective 10/16/2026; Owner occupied, single-family purchase, 25% down, credit score 780
Jumbo; Example Loan: $900,000; Effective 10/16/2026; Owner occupied, single-family refinance, 75% LTV, credit score 780
Jumbo Rates; Rates effective 10/14/2026
Jumbo Rates; Rates effective 10/14/2026
As Low As; Interest rate 6.990%, APR 7.196%; Fixed-rate mortgage
1-month payment: $5,610.40; Principal and interest only; APR based on no cash-out refinance, LTV 75%, loan amount $766,551, Multnomah County, Oregon
- Oct 19, 20267.23%▼ from 7.35%
- Oct 13, 20267.35%first recorded
Jumbo: Purchase Loan Rates; Ex: Loan Amount $900,000.00; Ex:; Primary residence, single family home of $1,200,000 with 25% down payment and 780 credit score; Interest Rates Effective 10/15/2026
- Oct 20, 20267.33%▼ from 7.45%
- Oct 14, 20267.45%▲ from 7.33%
- Sep 27, 20267.33%first recorded
Example Loan: $900,000; Effective 10/16/2026; Owner occupied, single-family purchase, 25% down, credit score 780
Jumbo; Example Loan: $900,000; Effective 10/16/2026; Owner occupied, single-family refinance, 75% LTV, credit score 780
Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780; Example: $910,000.00 includes $250,000 cash out; Interest Rates Effective: 10/15/2026
Jumbo Rates; Rates effective 10/14/2026
Jumbo Rate-and-Term Refi; Effective 10/15/2026; primary residence, single family home, 25% down payment, credit score 780; Example loan amount $900,000.00; Example
Home Loans; Rates accurate as of 10/16/2026
- Oct 13, 20268.11%▲ from 7.99%
- Oct 2, 20267.99%▲ from 7.86%
- Sep 18, 20267.86%▲ from 7.74%
- Sep 14, 20267.74%first recorded
Lacey 15-Year Jumbo Mortgage Rates
Jumbo loan; advertised rate assumes single-family primary residence, 720 FICO, 20% down; Rates as of Oct 19, 2026 ET
Based on $940,000 loan amount and down payment of at least 25%; Rates current as of 10/19/2026
based on $940,000 loan and at least 25% equity; current as of 10/19/2026
Jumbo; Example Loan: $900,000; Effective 10/16/2026; Owner occupied, single-family refinance, 75% LTV, credit score 780
Example Loan: $900,000; Effective 10/16/2026; Owner occupied, single-family purchase, 25% down, credit score 780
Jumbo: Purchase Loan Rates; Ex: Loan Amount $900,000.00; Ex:; Primary residence, single family home of $1,200,000 with 25% down payment and 780 credit score; Interest Rates Effective 10/15/2026
- Oct 20, 20267.35%▼ from 7.60%
- Oct 2, 20267.60%first recorded
Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780; Example: $910,000.00 Includes $250,000 Cash Out; Interest Rates Effective: 10/15/2026
Jumbo Rate-and-Term Refi; Effective 10/15/2026; primary residence, single family home, 25% down payment, credit score 780; Example loan amount $900,000.00; Example
Lacey 5/1 Jumbo ARM Mortgage Rates
As Low As; Adjustable-rate mortgage loans; Rates as of Oct 19, 2026 ET
- Oct 20, 20266.78%▼ from 6.83%
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
5-year fixed-rate period, adjusts yearly; Based on $940,000 loan amount and down payment of at least 25%; Rates current as of 10/19/2026
based on $940,000 loan and at least 25% equity; 5-year fixed period, adjusts yearly; current as of 10/19/2026
As Low As; Interest rate 5.500%, APR 5.688%; 5/1 adjustable-rate mortgage
1-month payment: $5,610.40; Principal and interest only; Adjustable rate, subject to change during loan term; APR based on no cash-out refinance, LTV 75%, loan amount $766,551, Multnomah County, Oregon
- Oct 19, 20267.59%▼ from 7.65%
- Oct 13, 20267.65%first recorded
Lacey FHA Loan Rates
FHA 30 Year Fixed; APR Effective 10/16/2026
Based on $270,019 loan amount and down payment of at least 3.5%; Rates current as of 10/19/2026
based on $270,019 loan and at least 3.5% equity; assumes FICO 680+; current as of 10/19/2026
Rates effective 10/14/2026; FHA APR based on $400,000 loan with 3.5% down; rates based on purchase of a primary residence; rates include a 1% loan fee
Fixed 360 Months
Fixed 180 Months
Lacey VA Loan Rates
As Low As; Rates as of Oct 19, 2026 ET. Rates subject to change. Available exclusively to eligible Servicemembers, Veterans and their spouses. No down payment is required.
VA 30 Year Fixed; VA Purchase 0% Down; APR Effective 10/16/2026
As Low As; Rates as of Oct 19, 2026 ET. Rates subject to change. Available exclusively to eligible Servicemembers, Veterans and their spouses. No down payment is required.
Based on $383,625 loan amount and no down payment; Rates current as of 10/19/2026
based on $305,059 loan and 14.8% equity; current as of 10/19/2026
Example loan $300,000; effective date 10/16/2026; owner occupied 1-4 unit purchase or refinance; APR includes 1% lender fee
Example loan $300,000; effective date 10/16/2026; owner occupied 1-4 unit purchase or refinance; APR includes 1% lender fee
Ex. loan amount $500,000.00; Ex.; primary residence, single family home, 0% equity, borrower credit score 780; Effective 10/15/2026
Ex: Loan Amount $510,750.00; Ex:; Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780; Rates effective 10/15/2026
Rates effective 10/15/2026; primary residence in single family home with 10% equity and borrower credit score of 780; Example loan amount $459,675.00; Example
Fixed 360 Months
Fixed 180 Months
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Lacey, WA Mortgage Rate Trends
Compare local Lacey, WA mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
Washington 30-year fixed rates fell 0.043 points over the past 7 days to 7.429%.
Washington 15-year fixed rates fell 0.016 points over the past 7 days to 6.976%.
Washington Mortgage Rate Forecast, Next 12 Months
Where are Washington mortgage rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for Lacey, WA Home Buyers
Monthly principal & interest payment on Lacey, WA median home of $457,100 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (WA avg) | 7.429% | $2,539 | 33.6% | |
| 6-Month Forecast | 7.429% (7.08, 7.73%) | $2,539 | +$0/mo | 33.6% |
| 12-Month Forecast | 7.679% (7.33, 7.98%) | $2,602 | +$63/mo | 34.5% |
Income column = annual mortgage payment as % of Lacey, WA median household income ($90,625). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Lacey, Washington , computed from local Census Bureau data combined with current Washington mortgage rates.
What This Score Means for Lacey, Washington Home Buyers
With a score of 91.9, Lacey, Washington is 5.2 points less affordable than the national average of 97.2. The area’s median home value of $457,100 against a median household income of $90,625 produces a price-to-income ratio of 5x , modestly above the national norm. At the current Washington mortgage rate of 7.429%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $2,539 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $1,752, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $317/month ($3,799/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from local U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current Washington live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology
How Mortgage Rates Impact Home Affordability in Lacey, Washington
Lacey, Washington Housing Market Overview
According to the U.S. Census Bureau, the median owner-occupied home value in Lacey, Washington is approximately $457,100. The 2026 FHFA conforming loan limit for this area is $832,750, meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.
Lacey, Washington Homeownership Rate
The homeownership rate in Lacey, Washington stands at 63.6%, near the national average of 65.7%. The homeowner vacancy rate is 1.8%.
Monthly Payment Estimates for Lacey, Washington Buyers
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $370,000 mortgage, based on a 20% down payment on the Lacey, Washington median home value.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.929% | 30-year fixed | $2,444 | $509,841 |
| 7.429% Current Avg | 30-year fixed | $2,569 | $554,886 |
| 7.929% | 30-year fixed | $2,697 | $600,790 |
| 6.976% | 15-year fixed | $3,321 | $227,726 |
A 0.500% rate increase on a $370,000 loan adds roughly $128 per month and over $45,903 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a Lacey, Washington buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.
Lacey, Washington Income & Housing Affordability
At a price-to-income ratio of 5x, Lacey, Washington is a relatively affordable housing market compared to national averages. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
What This Means for Lacey, Washington Buyers
With a median household income of $90,625 per year in Lacey, Washington ($7,552/month) and a median home value of approximately $457,100, a buyer financing at 80% LTV at the current average rate would commit roughly 34% of gross monthly income to principal and interest alone. That places most buyers above the 30% threshold housing economists use to define "cost burdened", before taxes, insurance, HOA fees, or PMI are factored in.
Compared to the Washington statewide price-to-income ratio of 5.8x, Lacey tracks closely with the broader Washington market on income-adjusted affordability. In either case, even a 0.25% improvement in your mortgage rate meaningfully reduces both the income needed to qualify and the total cost over the loan term.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in Lacey, Washington
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Lacey, Washington. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
Owner vs. Renter Costs
In Lacey, Washington, the median homeowner with a mortgage pays approximately $1,752/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,870/month including utilities. In this market, owning costs less per month than renting, a compelling financial case for buyers who can qualify for financing. Property taxes alone account for $317/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
Housing Cost Burden
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
In Lacey, Washington, 30.4% of homeowners with mortgages are cost burdened and 57% of renters are cost burdened. Renters face significantly higher burden rates than owners, a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. With an owner burden rate of 30.4% near the national average of 28.0%, this market reflects typical affordability conditions for mortgage holders.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
Lacey, Washington Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Lacey, Washington rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your Lacey, Washington Home Loan
Rates are only part of the equation. Use these calculators to translate current Lacey, Washington mortgage rates and home loan rates into real numbers for your specific situation before you request quotes from mortgage lenders.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Lacey, Washington rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your intended time horizon in Lacey, Washington.
CalculateTypes of Mortgages Available in Lacey, Washington
Not every loan program is right for every buyer in Lacey, Washington. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Lacey, Washington rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15% to 0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in Lacey, Washington, FHA is often the faster path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In Lacey, Washington, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
Jumbo Loan
The 2026 FHFA conforming loan limit for Lacey, Washington is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10 to 20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lacey, Washington mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Lacey, Washington directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Lacey, Washington. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in WA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
How a Mortgage Works in Lacey, Washington
A mortgage is a loan used to buy a home in Lacey, Washington, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
Fixed-Rate vs. Adjustable-Rate Mortgages for Lacey, Washington Buyers
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Lacey, Washington homeowner’s principal-and-interest payment never changes. For example, BECU Boeing Employees Credit Union is listing a VA 30 Year Fixed Rate at 7.043%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Lacey, Washington borrowers who expect to move or refinance before that point. On the adjustable-rate side, BECU Boeing Employees Credit Union is listing a Adjustable Rate 5/6 (ARM) at 6.708%.
How Lacey, Washington Mortgage Rates Are Set
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a Washington borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
Points and Closing Costs in Lacey, Washington
The interest rate is not the only cost of buying a home in Lacey, Washington. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Lacey, Washington shoppers account for these costs when weighing lenders.
When Lacey, Washington Homeowners Should Consider Refinancing
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Lacey, Washington homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current Lacey, Washington refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Lacey, Washington
What are home loan rates in Lacey, WA today?
How does my credit score affect my rate in Washington?
What is a 30-Year Fixed Mortgage?
What are closing costs in Washington?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Lacey, Washington?
Do I need 20% down to buy a house in Washington?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Lacey, Washington?
How do I get mortgage quotes in Lacey, Washington?
What is the median home value in Lacey, Washington?
What is the homeownership rate in Lacey, Washington?
What is the conforming loan limit in Lacey, Washington?
What is the median monthly cost of homeownership in Lacey, Washington?
What are the median property taxes in Lacey, Washington?
What is the median rent in Lacey, Washington?
What percentage of homeowners are cost burdened in Lacey, Washington?
What percentage of renters are cost burdened in Lacey, Washington?
What are the best Mortgage rates in Lacey, Washington?
- BECU Boeing Employees Credit Union: 7.043% (VA 30 Year Fixed Rate)
- South Bay Credit Union: 6.75% (Conforming 30-Year Fixed)
- HAPO Community Credit Union: 6.75% (One-Time Close Construction Loan 30-Year Fixed)
- Whatcom Educational Credit Union: 6.875% (VA 30-Year Fixed)
- First Fed Bank: 6.99% (VA Home Loan: Rate & Term Refi - 30-year Fixed Rate VA Refinance)
Lacey, Washington Rates & Resources
