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Washington auto loan calculator

Estimated monthly car payment in Washington

$449/mo

60 months at 7.54% APR · amount financed $22,399

State tax 6.8% on $25,000$1,700.00
Total sales tax$1,700.00
Dealer doc fee$699.00
⚠ Reported WA doc-fee cap: $200
Total interest$4,556.35
Total cost (price + tax + fees + interest)$41,955

Pick your county and city above for the exact local rate, or type it in the local box.

Used car $20k New car $35k $50k truck + $15k trade $30k, 84 months

Vehicle price $35,000

Trade-in value $10,000

Down payment $5,000

APR % 7.54

Loan term (months)

Your location (fills the exact local rate)

Which location? Where you take delivery (normally the dealer's location; your address if the dealer delivers to you).

CountyCity

Source: Washington DOR, Car Dealers and Leasing Companies Local Sales & Use Tax Rates, Q4 2026 (mo… (October 1 - December 31, 2026; retrieved October 12, 2026). Verify with your county clerk.

State vehicle tax % (WA 6.8%)Local tax % (auto-filled or enter yours)Dealer documentation fee $Title/registration $ (enter yours)

Loan breakdown

Vehicle price
$35,000
− Trade-in
$10,000
− Down payment
$5,000
+ Sales tax (full trade-in credit applied)
$1,700.00
+ Doc fee
$699.00
+ Title/registration
$0.00
= Amount financed
$22,399.00
Monthly payment
$449.26
Total of payments
$26,955.35
Total interest
$4,556.35

Tax is applied to the price minus any allowed trade-in credit; whether doc fees, rebates and add-ons are taxable varies by state and isn't modeled. Assumes the trade-in has no loan balance.

Share this result: vaultrubric.com/tools/auto-loan-calculator/washington?price=35000&trade=10000&down=5000&rate=7.54&term=60&tax=6.8&doc=699&title=0&local=0

Washington car loan, at a glance: state vehicle tax 6.8% (Washington adds a 0.3% motor vehicle sales tax to the 6.5% state rate; local rates add.) A $35,000 car with $5,000 down over 60 months at 7.54% APR is about $663/mo, financing $33,079 incl. $2,380 tax and the $699 doc fee.

Base sales tax: Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026. APR: Federal Reserve G.19, 60-month new car loan rate at commercial banks (FRED RIFLPBCIANM60NM), August 2026.

Washington car-buying taxes & fees

State vehicle taxWashington adds a 0.3% motor vehicle sales tax to the 6.5% state rate; local rates add. Confidence: medium.
6.8%
General state sales taxTax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026. Local taxes may add.
6.5%
Trade-in tax creditBest-effort. Confidence: medium.
Allowed
Doc fee capWashington caps negotiable documentary service fees (reported $200).
$200
Title & registrationVaries by vehicle weight, value, age and county; not reliably sourced for every state, so enter your own estimate.
Editable

Sources & as-of dates

Base sales tax: Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates) (as of January 1, 2026).
Vehicle-specific rates, trade-in rules and doc-fee caps: best-effort compilation from state DMV/revenue rules (Best-effort, checked October 12, 2026); e.g. Virginia DMV, Michigan Treasury Form 485, California CDTFA Regulation 1610.
Default APR: Federal Reserve G.19, 60-month new car loan rate at commercial banks (FRED RIFLPBCIANM60NM), 7.54% (August 2026). Data file: state-tax-rates.json.
Local vehicle tax (exact county/city table): Washington DOR, Car Dealers and Leasing Companies Local Sales & Use Tax Rates, Q4 2026 (motor-vehicle location codes); Washington DOR, Local sales & use tax (quarterly rate lists); RCW 82.08.020(2): additional 0.3% motor vehicle sales tax (retrieved October 12, 2026). Washington uses special motor-vehicle location codes: some local taxes that apply to ordinary purchases don't apply to cars, so these local rates can be lower than the general sales tax rate for the same city. 'RTA' = inside the Sound Transit (Regional Transit Authority) district; 'Non-RTA' = outside it. Total = 6.5% state + 0.3% motor vehicle sales tax + local rate. Data file: wa.json.

Washington mortgage calculator → · Washington car sales tax calculator · All states

FAQ

What is the car sales tax in Washington?

6.8% at the state level. Washington adds a 0.3% motor vehicle sales tax to the 6.5% state rate; local rates add. Statewide general sales tax: 6.5% (Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026).

Does Washington give a sales tax credit for a trade-in?

Yes. Washington generally taxes the price minus your trade-in value. (Best-effort; verify with the state DMV or revenue department.)

Does Washington add county or city tax on a car?

Yes. Washington uses special motor-vehicle location codes: some local taxes that apply to ordinary purchases don't apply to cars, so these local rates can be lower than the general sales tax rate for the same city. The calculator fills the exact rate when you pick your county and city (Washington DOR, Car Dealers and Leasing Companies Local Sales & Use Tax Rates, Q4 2026 (motor-vehicle location codes), October 1 - December 31, 2026). Verify with your county clerk.

Does Washington cap dealer doc fees?

Reportedly yes, at about $200. Washington caps negotiable documentary service fees (reported $200). This calculator defaults to $699, editable.

What is the monthly payment on a $35,000 car in Washington?

With $5,000 down, no trade-in, the $699 doc fee, 6.8% state tax and 7.54% APR for 60 months, about $663 a month ($6,729 total interest). Local taxes and registration add to this.

Is this financial advice?

No. These are estimates, not financial advice.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.