Pierce County, Washington Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Pierce County covers the Tacoma market and overrides Washington's statewide planning estimate with a local property-tax benchmark. Pierce County uses a local property-tax planning benchmark of about 1.10% on this page. On a $400,000 Pierce County example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; tax escrow is about $367/mo, for estimated PITI near $2,490 before PMI. Confirm overlapping city, school, and special-district layers on the parcel before treating escrow as final.
Loan Details
$70,000 · LTV 80%
Buyer Profile
Extra Payment
Optional principal-only payment used to estimate payoff speed and interest savings.
Monthly Payment
$1,770 Principal & Interest · $321 Property Taxes · $125 Other
Methodology and limitations
Last reviewed:
Methodology
Uses standard principal-and-interest mortgage math, then models housing-cost inputs such as tax, insurance, PMI, and extra-payment scenarios where available. National pages include worked PITI, term, and PMI comparison examples for planning.
Limitations
Planning estimate only. Actual approval, escrow, PMI, fees, taxes, insurance, and closing disclosures depend on lender, property, borrower profile, and local rules.
Pierce County, Washington Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Washington
Pierce County covers the Tacoma market and overrides Washington's statewide planning estimate with a local property-tax benchmark. Pierce County uses a local property-tax planning benchmark of about 1.10% on this page. On a $400,000 Pierce County example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; tax escrow is about $367/mo, for estimated PITI near $2,490 before PMI. Confirm overlapping city, school, and special-district layers on the parcel before treating escrow as final.
Use this mortgage calculator for Pierce County, Washington to estimate the monthly payment with principal, interest, configured annual taxes, eligible exemptions, and assistance programs when the buyer profile matches the conditions.
What This Estimate Uses
- Geographic level: county
- Configured property tax rate: 1.10%
- Configured benefits or exemptions: 1
- Reviewed sources: 3
What Changes in Pierce County, Washington
- Data level used: county. This page uses the most specific available data layer for Pierce County, Washington.
- Configured combined annual property tax rate: 1.10% before exemptions and buyer-specific conditions are applied.
Local Tax Assumptions
These are the annual tax assumptions configured for this page. The calculator applies them to the appropriate value, then accounts for exemptions or conditions when the buyer selects them.
- Washington Local Property Tax - 1.100%
Programs and Exemptions Included
These benefits do not mean automatic approval. The calculator models them when the buyer inputs match the configured eligibility conditions.
- Mortgage Credit Certificate (MCC) - 20% of mortgage interest (requires: first-time buyer, primary residence, buyer has a Mortgage Credit Certificate)
When This Estimate Can Change
- The actual property tax bill depends on the address, overlapping taxing jurisdictions, approved exemptions, and appraised value.
- Home insurance, flood insurance, HOA dues, and PMI can vary by property, lender, and buyer profile.
- Configured closing costs include Washington Real Estate Excise Tax, but other settlement charges may appear on a real loan estimate.
2025 Local Home-Purchase Mortgage Market in Pierce County, Washington
Local home-purchase mortgage market context for Pierce County, Washington: in 2025 Home Mortgage Disclosure Act (HMDA) data, Pierce County logged 15,523 final-action applications. The mortgage denial rate was 6.91% and the originated share was 73.06%.
| Metric | Pierce County | State |
|---|---|---|
| Final-action applications | 15,523 | 119,193 |
| Mortgage denial rate | 6.91% | 6.76% |
| Originated share | 73.06% | 72.13% |
Source: FFIEC HMDA 2025 (LAR modificado, compra de vivienda) · Texas vs California mortgage denial rates (methodology)
Nearby location comparison
Planning comparison on a $400,000 home with 20% down, 6.5% fixed for 30 years, and $100/mo insurance. Monthly tax uses each page's configured property tax rate.
| Location | Est. property tax rate | Est. monthly tax | Est. monthly PITI |
|---|---|---|---|
| Pierce County (this page) | 1.10% | $367 | $2,489 |
| Clark County | 1.05% | $350 | $2,473 |
| King County | 0.85% | $283 | $2,406 |
| Snohomish County | 0.90% | $300 | $2,423 |
| Spokane County | 1.10% | $367 | $2,489 |
| Thurston County | 1.05% | $350 | $2,473 |
Local Data and Sources
Last editorial verification: May 15, 2026. This page combines the official data layers configured for Pierce County, Washington.
The sources used on this page are Consumer Financial Protection Bureau mortgage cost guidance, Washington Department of Revenue property tax statistics, Washington Department of Revenue property tax levies. Each source lists which rate, exemption, or program it validates and when it was last reviewed.
- Consumer Financial Protection Bureau mortgage cost guidance - verified May 3, 2026 - General U.S. mortgage closing-cost and mortgage-cost guidance.
- Washington Department of Revenue property tax statistics - verified May 15, 2026 - Official source for Washington property-tax levy, collection, assessed-value, and tax-rate statistics.
- Washington Department of Revenue property tax levies - verified May 15, 2026 - Official source for Washington levy administration and levy-rate limits.
Frequently Asked Questions
Does Washington have one statewide property tax rate?
No. Washington property taxes depend on local levy districts, including schools, county, city, fire, and other districts. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.
What Washington transfer tax is modeled?
The state page uses a baseline Washington real estate excise tax estimate. Actual REET can vary by sale price tier and local add-ons. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.
What is a sample Washington PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~0.95% statewide property-tax planning rate, monthly escrow is about $317; with $100 insurance, estimated PITI is about $2,440 without PMI. Drill into county or city calculators for address-level millage.
Why include Pierce County?
Pierce is a large Puget Sound purchase market covering Tacoma, Lakewood, Puyallup, and nearby suburbs. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.
What property tax rate does the Pierce County mortgage calculator use?
Pierce County uses a local planning benchmark of about 1.10% on this page. On a $400,000 home that is roughly $4,400 per year or $367 per month in escrow before exemptions or special districts. Parcel bills can still differ—verify the levy code on the address you are buying.
What is a sample Pierce County PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~1.10% property tax, monthly escrow is about $367; with $100 insurance, estimated PITI is about $2,490 without PMI. Enter your real price and down payment above to resize the estimate, including PMI if you put less than 20% down.
Do overlapping levies change Pierce County bills?
Yes. Pierce County's ~1.10% planning benchmark can sit under city, school, port, and voter-approved levies. Use this PITI estimate as a baseline, then confirm the levy code on the county parcel record. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.