How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.
Your housing costs will decrease by approximately $1,297 per month ($15,564/year) when you move from California to Washington.
If you sell your median-priced California home ($785K) and buy in Washington ($580K):
Your California equity covers the 20% down payment on a median Washington home with $120K left over. That surplus can cover closing costs, moving expenses, or go into savings.
Over 10 years, this move saves you approximately $156K in housing costs alone.
Your dollar stretches further in Washington. The median home costs 26% less than in California, which translates to a $205K difference in purchase price. This means a smaller loan, a lower monthly payment, and less total interest paid over the life of your mortgage.
You'll save on insurance moving to Washington: $1,600/year versus $2,200/year in California. That's $600 less per year in premiums, putting $50 back in your monthly budget.
When you buy in Washington, expect about $8K in closing costs (1.4% of purchase price). This includes a 1.78% transfer tax. Budget for this amount on top of your down payment.
Washington's WSHFC Home Advantage offers Up to $10,000 DPA. If you haven't owned a home in three years (or are buying in Washington for the first time), you may qualify. Check eligibility requirements and income limits on Washington's housing finance agency website.