FHA & VA Assumable Property Data

Assumable Mortgages in Washington State

Find assumable mortgage data for Washington State. Discover FHA & VA assumable homes in Seattle, Tacoma, Spokane and across Washington with below-market note rates.

Get the Washington Data List

Public Mortgage Data — Washington

58,000
FHA/VA Acquired
3.8%
Median Note Rate
1,458
Census Tracts
6.3 yrs
Median Age
About This Market

Assumable Homes in Washington

Washington State's assumable property market is shaped by two distinct dynamics: the high-cost Seattle metro, where assumable homes offer exceptional payment savings, and the military-heavy Tacoma–Pierce County area, where VA assumable property is abundant. Our Washington dataset covers approximately 58,000 FHA and VA assumable homes across 1,458 census tracts, with a median note rate of 3.8%.

Joint Base Lewis-McChord (JBLM) near Tacoma is one of the largest military installations in the country and is the primary driver of VA assumable homes in Washington State. Pierce County — which surrounds JBLM — has one of the highest concentrations of VA assumable property of any county in the Pacific Northwest. Whidbey Island Naval Air Station and Fairchild Air Force Base near Spokane also contribute VA assumable homes to their respective markets.

The Seattle metro — King, Snohomish, and Kitsap counties — carries FHA assumable property inventory, though Seattle's high home prices mean FHA origination rates are lower than in more affordable markets. Tacoma, Olympia, Bellingham, and Spokane all show meaningful assumable homes concentration.

At 6.3 years median age and a 3.8% median note rate, Washington's assumable obligations largely date to the 2019–2022 rate environment. Our Washington data list covers all 39 counties at the census-tract level.

Freddie Mac Historical Rates
Post-COVID Low
2020–2021 · All-time record lows
2.65–3.22%
Pre-Pandemic
2018–2019 · Stable growth era
3.94–4.54%
Recovery Era
2012–2017 · Post-crisis rebound
3.65–4.46%
Financial Crisis
2008–2011 · Volatility period
4.45–6.03%
Pre-Crisis Peak
2000–2007 · Housing boom years
5.94–8.05%
1990s Average
1990–1999 · High-rate decade
6.94–10.13%
1980s Peak
1981–1989 · Historic highs
10.19–18.63%

Source: Freddie Mac Primary Mortgage Market Survey

Common Questions

Frequently Asked Questions — Washington

How many assumable properties are in Washington State?

Washington has approximately 58,000 FHA and VA assumable properties across 1,458 census tracts.

Why does Tacoma have so many VA assumable homes?

Joint Base Lewis-McChord (JBLM), one of the largest military installations in the country, is located near Tacoma, generating exceptional VA assumable property density in Pierce County.

What is the median note rate on Washington assumable homes?

The median note rate on Washington assumable property is 3.8%.

Get the Data

Get the Washington Assumable Property Data List

FHA and VA assumable homes with note rates and census-tract detail. Complete a quick inquiry to see available list options.

Get the Washington Data List

Every City, Every Zip, Every State of Your Choice

Unique Quick List Cities:

  • Aberdeen
  • Algona
  • Allyn
  • Amboy
  • Anacortes
  • Anderson Island
  • Arlington
  • Auburn
  • Battle Ground
  • Belfair
  • Bellevue
  • Bellingham
  • Benton City
  • Black Diamond
  • Blaine
  • Bonney Lake
  • Bothell
  • Bremerton
  • Buckley
  • Burien
  • Burlington
  • Camano Island
  • Camas
  • Carnation
  • Carson
  • Centralia
  • Chattaroy
  • Chehalis
  • Cheney
  • Clarkston
  • Cle Elum
  • Clinton
  • Colbert
  • Colville
  • Concrete
  • Coupeville
  • Covington
  • Dayton
  • Deer Park
  • Des Moines
  • Dupont
  • Duvall
  • East Wenatchee
  • Eatonville
  • Edgewood
  • Edmonds
  • Ellensburg
  • Elma
  • Entiat
  • Enumclaw
  • Ephrata
  • Everett
  • Everson
  • Federal Way
  • Ferndale
  • Fife
  • Fircrest
  • Fox Island
  • Gig Harbor
  • Gold Bar
  • Graham
  • Grandview
  • Granger
  • Granite Falls
  • Grapeview
  • Hoodsport
  • Hoquiam
  • Issaquah
  • Kelso
  • Kenmore
  • Kennewick
  • Kent
  • Kingston
  • Kirkland
  • La Center
  • La Conner
  • Lacey
  • Lake Stevens
  • Lake Tapps
  • Lakebay
  • Lakewood
  • Langley
  • Leavenworth
  • Liberty Lake
  • Longview
  • Lynden
  • Lynnwood
  • Maple Falls
  • Maple Valley
  • Marysville
  • Medical Lake
  • Milton
  • Monroe
  • Montesano
  • Moses Lake
  • Mount Vernon
  • Mountlake Terrace
  • Moxee
  • Mukilteo
  • Naches
  • Newman Lake
  • Nine Mile Falls
  • Nooksack
  • North Bend
  • Oak Harbor
  • Ocean Park
  • Ocean Shores
  • Olympia
  • Omak
  • Onalaska
  • Oroville
  • Orting
  • Othello
  • Otis Orchards
  • Pacific
  • Pasco
  • Peshastin
  • Port Angeles
  • Port Orchard
  • Poulsbo
  • Prosser
  • Puyallup
  • Rainier
  • Ravensdale
  • Redmond
  • Renton
  • Richland
  • Ridgefield
  • Rochester
  • Roy
  • Ryderwood
  • Sammamish
  • Seabeck
  • Seatac
  • Seattle
  • Sedro Woolley
  • Selah
  • Sequim
  • Shelton
  • Shoreline
  • Silverdale
  • Silverlake
  • Snohomish
  • Soap Lake
  • Spanaway
  • Spangle
  • Spokane
  • Spokane Valley
  • Stanwood
  • Steilacoom
  • Sultan
  • Sumas
  • Sumner
  • Sunnyside
  • Suquamish
  • Tacoma
  • Toledo
  • Tonasket
  • Toppenish
  • Toutle
  • Tumwater
  • University Place
  • Vancouver
  • Wapato
  • Washougal
  • Wenatchee
  • West Richland
  • Winlock
  • Woodinville
  • Woodland
  • Yacolt
  • Yakima
  • Yelm
  • Zillah

If it's assumable, we can get it even if you don't see your city listed here — no exceptions