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Learn about the people, housing, costs and businesses in Port Ludlow, Washington
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Port Ludlow.
True all-in cost — P&I, taxes, insurance & utilities for homes in Port Ludlow.
Find and compare lenders active near Port Ludlow.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Port Ludlow.
Seismic risk and earthquake insurance estimates for Port Ludlow.
Wildfire exposure and insurance estimates for Port Ludlow.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Port Ludlow is approximately 6.922% (6.959% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Port LudlowThe median home value in Port Ludlow is $641k. The median monthly rent is $1,918. Annual property taxes average $4k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Port Ludlow have increased 16.6% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,357/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $58k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Port Ludlow is $99k/year.
Calculate your buying powerThe largest employment sectors in Port Ludlow are public administration (29%) and healthcare (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.