The calculator below is pre-filled with Pierce County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Washington's statewide figures.

Pierce County at a glance

Effective property tax rate: 0.91% of home value / year
Median home price: $574,475
Homeowners insurance (avg/year): $1,502
Conforming loan limit (1-unit, 2026): $1,063,750

County data last updated 2026-08-28. FIPS 53053. Full source list on /methodology.

Pierce County, WA mortgage payment calculator

All-in cost first, always — pre-filled with Pierce County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

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Related reading

Closing Costs in Washington: What You'll Actually Pay

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What Is PMI, and How Do You Get Rid of It?

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

Washington at a glance

Median home price: $617,990
Typical closing costs: 2%–3% of price
Transfer tax: 1.1% of sale price, customarily paid by seller
Closing custom: escrow
Homestead exemption: Washington has no ad-valorem homestead exemption that reduces annual property tax bills for the general homeowner (its 'homestead exemption' — currently the greater of $125,000 or the county median home value, under RCW 6.13 — is a bankruptcy/creditor-protection exemption, unrelated to property tax). For actual property tax relief, the Department of Revenue's Property Tax Exemption Program for Senior Citizens, People Retired Due to Disability, and Veterans with Disabilities freezes the home's assessed value and exempts qualifying low-income (county-varying, roughly under $84,000-$90,000+ depending on county) senior/disabled/disabled-veteran homeowners from regular and/or excess levies; a separate deferral program lets qualifying seniors/disabled homeowners postpone paying property taxes.

First-time buyer / down payment assistance programs

WSHFC Home Advantage
Washington State Housing Finance Commission's primary 30-year fixed-rate first mortgage program, available statewide to eligible homebuyers (first-time-buyer requirement waived in targeted areas and for some borrower categories); typically paired with Home Advantage down payment assistance (a 0%-interest deferred second mortgage of 3%-5% of the first-mortgage amount).