15-Year Fixed Mortgage Rates in San Juan County

Today's leading benchmark rate for 15-year fixed rates in San Juan County, WA is 6.609% (with an estimated monthly payment of $3,832). Calibrated directly to San Juan County, WA's local housing market, Safe Rate shows up-to-the-minute interest rates and points across Conventional, FHA, VA, and Jumbo loan programs daily.

Mortgage rates for 15-year fixed rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, rates for 15-year fixed rates in San Juan County, WA have hovered between a low of 6.426% and a high of 6.886%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.

Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $961,459 in San Juan County, WA, a standard 20%-down Conventional loan requires an upfront cash down payment of $192,292 but keeps your monthly payment lower at $3,832/mo (at 6.609% interest) with no monthly PMI. In comparison, an FHA loan requires only $33,651 (3.5% down) but has an estimated payment of $4,132/mo (at 5.952% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $927,808 falls comfortably within the local HUD FHA loan limit of $1,105,678 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.

The 2025 conforming conventional loan limit for a 1-unit property in San Juan County is $806,501. With a typical local home value of $961,459 in , a standard 20%-down mortgage requires a loan size of $769,167. Because this is within the $806,501 conforming threshold, buyers can qualify for standard conforming conventional financing with competitive rates.

The median home value in San Juan County, WA is estimated at $961,459. Buying a typical home here with a standard 20% down payment ($192,292) translates to an estimated starting monthly mortgage payment of $3,832 (principal and interest). Compared to the local area median household income of $85,271 ($7,106/mo), this basic housing payment represents approximately 53.9% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.