Washington Home Buying Guide
West Region · Non-Judicial Foreclosure State
Key Facts at a Glance
What Makes Washington Unique
No state income tax
One of the higher transfer taxes — tiered by price
Seattle market is highly competitive with tech sector demand
First-Time Buyer Programs in Washington
WSHFC Home Advantage
Contact your state housing finance agency for current eligibility and rates
WSHFC Opportunity First
Contact your state housing finance agency for current eligibility and rates
WSHFC House Key
Contact your state housing finance agency for current eligibility and rates
Program availability, income limits, and interest rates change frequently. Verify current terms with your lender or state housing finance agency.
Closing Costs in Washington
Attorney at Closing
Attorney Not Required
Washington does not require an attorney at closing. A title company typically handles the transaction. Consider hiring one anyway for complex deals.
Local Tips for Washington Buyers
Transfer tax is tiered — luxury homes over $3M pay 3%.
WSHFC Home Advantage requires homebuyer education.
No income tax is a major long-term financial advantage.
Estimated Annual Ownership Cost in Washington
Based on the median home price of $590,000 with a 10% down payment and 7% mortgage rate.
Ready to Calculate Your Numbers?
Use our free calculators to estimate your monthly payment, affordability, and closing costs in Washington.