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Kent, Washington is a vibrant city located between Seattle and Tacoma, and has become popular among home buyers seeking suburban charm with urban convenience. One of the most common questions buyers have as they consider a move to this city is: What is the average mortgage payment in Kent, WA? Understanding this figure is key for budgeting and determining affordability when shopping for a home.
This article will break down the average mortgage payment in Kent, explore the factors that affect it, and provide tips for keeping monthly costs down.
Kent’s current housing market is currently characterized by the following (as of mid-2025):
To estimate a mortgage payment, lenders consider the following factors:
| Down Payment | Usually between 3% — 20% |
| Loan Amount | Purchase price minus the down payment |
| Interest Rate | Based on credit score, loan type, & market conditions |
| Loan Term | Most commonly 15-year to 30-year terms |
| Property Taxes | Vary by location (currently a median of 1.05% in Kent) & often included in mortgage payments |
| Insurance | Often included in monthly payments |
| HOA Fees | Varies by property & often included in monthly payments |
As of mid-June 2025, the average mortgage payment in Kent, WA is approximately $4,402.
Let’s break down a sample mortgage payment calculation in Kent, assuming the following variables:
| Home Price | $667,784 |
| Down Payment | $66,778 (10%) |
| Loan Type | 30-year fixed-rate mortgage |
| Interest Rate | 5.875% (current) |
| Principal and Interest | $3,555 |
| Property Tax | $512 |
| Homeowners Insurance | $80 |
| Private Mortgage Insurance | $255 |
| Monthly Payment | $4,402 |
A quick, simple, and effective way to calculate mortgage payments is to use an online mortgage calculator. Simply plug in variables such as home price, down payment, and interest rate, and Sammamish Mortgage’s online mortgage calculator will quickly populate your estimated mortgage payment.
If the average payment in Kent seems out of reach for you, there are ways to reduce it:
How does the average mortgage payment in Kent compare to other Washington cities? Using Sammamish Mortgage’s online mortgage calculator, here’s a comparison of what home buyers pay on average in other nearby areas in the state (assuming the same variables as listed in the previous table):
| City | Average Home Price | Average Mortgage Payment |
| Kent | $667,784 | $4,402 |
| Seattle | $886,741 | $5,820 |
| Tacoma | $497,890 | $3,303 |
| Federal Way | $609,946 | $4,028 |
| Vancouver | $514,258 | $3,409 |
| Spokane | $404,211 | $2,697 |
Currently, mortgage rates in Kent, WA are as follows:
*These figures are based on a $600,000 loan on a primary single-family home, and a credit score of 800+. Check back on our current mortgage rate page regularly for the most up-to-date figures.
Yes, mortgage payments in Kent are on the rise, for a few reasons:
Kent has seen steady growth in home values over recent years. In the past 12 months, the average home price in Kent has increased 0.6%. And over the past 5 years, prices have risen 42%.
More expensive housing translates to higher mortgage payments.
King County’s property taxes are among the highest in the state. Further, homeowners insurance premiums have increased as a result of inflation. Both of these factors play a role in the calculation of mortgage payments in Kent.
While mortgage rates have remained steady over the past year, they’ve increased quite a bit from just a couple of years ago. Even small rate increases can significantly impact monthly payments.
You can reduce your mortgage payments by increasing your down payment, improving your credit score, or choosing a longer loan term.
Kent’s average home price is $667,784, as of mid-2025, according to Zillow.
How does Kent’s average mortgage payment compare to other cities in Washington?
For comparison purposes, the average mortgage payments in Seattle, Tacoma, and Spokane are $5,820, $3,303, and $2,697, respectively.
What factors influence mortgage payments in Kent?
Key factors include home price, down payment, interest rate, loan term, property taxes, and insurance.
Where can I estimate my mortgage payment for Kent?
You can use an online mortgage calculator from Sammamish Mortgage, or speak with a loan officer from Sammamish Mortgage directly for personalized estimates based on current home prices and rates.
Is Kent a buyer’s or seller’s market?
Right now, Kent is a seller’s market, with homes selling quickly and often over asking price.
How quickly do homes sell in Kent?
On average, homes go pending in around 6 days. Hot listings can sell in as little as 4 days.
What are the most popular neighborhoods in Kent?
Neighborhoods like Meridian, Scenic Hill, and The Lakes tend to be attractive among home buyers.
If you’re looking to purchase a home in Kent, WA, we can help. At Sammamish Mortgage, we offer various mortgage home loan programs for home buyers with various needs in WA, OR, ID, CO, and CA. Visit our website to get an instant rate quote, or call us today to have your mortgage questions answered!
Whether you’re buying a home or ready to refinance, our professionals can help.
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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.