How much house can I afford on $50,000 in Washington?
About $178,000 with 20% down ($142,000 with an FHA loan), using Washington's 0.81% property tax rate.
That is $409,618 less than the typical Washington home ($587,533), so on $50,000 you'd look at cheaper areas or a smaller home. The payment of $1,167 covers $957 principal and interest, $120 property tax and $89 insurance.
Counties in Washington you can afford on $50,000
On $50,000 the typical home is out of reach in every Washington county tracked by Zillow — the cheapest is Garfield County at $241,396.
Assumes a 30-year fixed loan at 7.11%, property tax of 0.81% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Washington
Frequently asked questions
How much house can I afford on $50,000 in Washington?
About $178,000 with 20% down at 7.11%, keeping the payment (with Washington's 0.81% property tax and insurance) under $1,167 a month.
Is $50,000 enough to buy a house in Washington?
Not the typical home: the typical Washington home is worth $587,533 (Zillow, September 2026) and $50,000 supports about $178,000. 0 of 39 counties are within budget.