Bothell Mortgage Guide

What buyers need to know about Bothell mortgages

Bothell draws families with the Northshore School District, walkable Canyon Park and downtown corridors, and a community feel that draws families from across the Seattle metro. With a median sale price around $999K over the 12 months ending August 2026 and homes selling in a median of 26 days, Bothell is a somewhat competitive market where well-priced homes still move quickly.

Bothell’s price range places it at the transition zone between conventional and jumbo financing. At a median near $999K, many purchases fall within conventional limits with a sufficient down payment, but buyers targeting larger homes or premium lots frequently cross into jumbo territory. Understanding the conforming loan limit ($1,063,750 for King and Snohomish County in 2026) and how your down payment affects loan type is essential in Bothell’s price range.

Bothell’s location straddling King and Snohomish counties gives buyers options, with neighborhoods in both counties sharing access to the same schools, parks, and amenities. The Canyon Park business district, UW Bothell campus, and convenient SR-522 and I-405 access make it particularly attractive for tech workers and professionals commuting across the Eastside.

Bothell home prices, taxes, and transit in 2026

Here is the Bothell picture by type of home over the three months ending August 2026, from Redfin’s Bothell housing market data. Across all home types, Bothell homes sold in a median of 26 days for about 98.9% of list price, and about 46% of listings took a price cut, so buyers have real room to negotiate.

What this means for you: a typical Bothell house sits just above the $1,063,750 conforming limit, so your down payment often decides whether the loan is conforming or jumbo. Townhomes and condos mostly fit under it. My King County housing market report compares Bothell with the rest of the county.

Property taxes. Bothell’s 2026 levy rate is about $9.74 per $1,000 of assessed value, and the median Bothell tax bill is about $10,336 a year (up 12.9% from 2025), according to the King County Assessor. My King County property taxes guide compares cities. The Assessor’s figures cover the King County part of Bothell only. This is not tax advice.

Excise tax when you sell. Washington’s graduated real estate excise tax, plus the local rate (0.5% in most King County cities), comes to roughly $17,500 on a $1.03 million Bothell sale as an illustrative example, and by local custom the seller pays it. My guide to closing costs in King County breaks it down.

Two counties, one city. Bothell is split between King and Snohomish counties. The loan limits are the same on both sides, but the county decides your assessor, your property tax rate, and where your deed is recorded, so confirm which county a home is in before you budget. My Snohomish County home loans page covers the north side, including its property taxes. Sound Transit’s Stride S2 bus rapid transit line, with stops in Bothell on its way between Lynnwood and Bellevue, is scheduled for 2029. For the whole county, start with my King County home loans page.