Safe Rate Local

Mortgage Rates in Cowlitz County, WA

6.953%APR 6.976% · $2,555/mo (20% Down)
Updated daily · May 23, 2026+0.460% (14d)
Safe Rate Choice20% Down Conv.
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14-Day Rate Trend
+0.460%
LO 6.493%HI 6.953%TODAY 6.953%
ProductRate / APR Mo. Payment Points
15-Year Refi
15-year fixed refinance
0% Down740 FICO15-yr
6.069%
6.102% APR
$3,037
Principal & Interest
$0 Points
FHA Streamline
FHA streamline refinance
+$213/mo MI
0% Down640 FICO30-yr
6.254%
7.015% APR
$2,917
Principal & Interest
$0 Points
VA Cash-Out
VA cash-out refinance
0% Down640 FICO30-yr
6.376%
6.740% APR
$3,001
Principal & Interest
$0 Points
VA IRRRL
VA streamline refinance
0% Down640 FICO30-yr
6.395%
6.539% APR
$2,748
Principal & Interest
$0 Points
Rate/Term Refi
Conventional rate/term refinance
0% Down740 FICO30-yr
6.911%
6.934% APR
$2,363
Principal & Interest
$0 Points
Cash-Out Refi
Conventional cash-out refinance
0% Down740 FICO30-yr
7.372%
7.396% APR
$2,664
Principal & Interest
$0 Points

Mortgage Rates in Cowlitz County: Local Market Snapshot

Median Home Value
$424,637
2-Yr Appreciation
6.0%
increase
Median Income
$80,534
household
Price-to-Income
5.3x
stretched

Rates updated daily via Safe Rate's pricing engine using live investor rate sheets, calibrated to Cowlitz County's local loan limits and FHFA market data. Your actual rate depends on credit score, down payment, and lender.

Frequently Asked Questions

Market Snapshot

FIPS 53015
Average Home Value
$424,637
Average Rent
$1,404/mo
Average Income
$80,534
Property Tax
$3,247/yr
Avg Loan
$358,359
Avg LTV
74.3%

Estimated Insurance

Homeowners Insurance
HO-3 policy · covers dwelling, property & liability
$84/mo
Flood Insurance$110/mo
Risk TierHigh
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Rates are representative estimates using base pricing sourced from national wholesale lenders. Safe Rate Mortgage is a broker driven platform. Estimated rates incorporate 1.40% lender paid compensation (minimum $2,000, maximum $4,000). At initial launch, no compensation occurs. Demographic and housing data sourced from public HUD and FHFA datasets.