Average mortgage payment in King County, WA (2026)
The average mortgage payment in King County on a median-priced home (~$875,000) is roughly $6,591/month — assuming 10% down at a 6.85% 30-year fixed rate and Washington's 0.94% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $282,454. County population is roughly 2,269,675.
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How King County compares to Washington
The typical home in King County is 45% above the statewide median of $605,000 in Washington. Property tax is set at the state's effective rate of 0.94% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in King County?+
On a median King County home (~$875,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $6,591/month, including ~$685 in property tax.
What income do I need to buy a home in King County?+
Using the 28% front-end DTI rule, you'd need roughly $282,454 in annual gross household income to comfortably carry the median King County home.
How does King County compare to the rest of Washington?+
King County's median home ($875,000) is 45% above the Washington median of $605,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.