King County, WA Mortgage Calculator
Estimate your monthly mortgage payment in King County with local property tax rates, homeowners insurance, and 2025 FHA and conforming loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$4,827
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $624,000
LTV: 0.01%
P&I Payment
$4,131
Total Interest
$863,000
over loan life
Payoff
30 yr
Closing Costs
$16,770–$31,304
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$977,500
Conforming Limit
$977,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $4,131 | $517 | $3,614 | $623,483 | $3,614 |
| 2 | $4,131 | $520 | $3,611 | $622,964 | $7,225 |
| 3 | $4,131 | $523 | $3,608 | $622,441 | $10,833 |
| 4 | $4,131 | $526 | $3,605 | $621,916 | $14,438 |
| 5 | $4,131 | $529 | $3,602 | $621,387 | $18,040 |
| 6 | $4,131 | $532 | $3,599 | $620,855 | $21,639 |
| 7 | $4,131 | $535 | $3,596 | $620,321 | $25,235 |
| 8 | $4,131 | $538 | $3,593 | $619,783 | $28,827 |
| 9 | $4,131 | $541 | $3,590 | $619,242 | $32,417 |
| 10 | $4,131 | $544 | $3,586 | $618,698 | $36,003 |
| 11 | $4,131 | $547 | $3,583 | $618,150 | $39,587 |
| 12 | $4,131 | $550 | $3,580 | $617,600 | $43,167 |
Months 1–12 of 360
2025 Loan Limits — King County, WA
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $977,500 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $977,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — King County Mortgage
What is the property tax rate in King County?
The effective property tax rate in King County is approximately 0.93%. This means a home worth $780,000 would have an estimated annual tax bill of about $7,254.
What is the 2025 FHA loan limit in King County?
The 2025 FHA loan limit for a single-family home in King County, WA is $977,500.
What is the conforming loan limit in King County?
The 2025 conforming loan limit in King County is $977,500. Loans above this amount are considered jumbo loans.