How much house can I afford on $60,000 in Washington?
About $213,000 with 20% down ($170,000 with an FHA loan), using Washington's 0.81% property tax rate.
That is $374,035 less than the typical Washington home ($587,533), so on $60,000 you'd look at cheaper areas or a smaller home. The payment of $1,400 covers $1,149 principal and interest, $144 property tax and $107 insurance.
Counties in Washington you can afford on $60,000
On $60,000 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 $60,000 in Washington?
About $213,000 with 20% down at 7.11%, keeping the payment (with Washington's 0.81% property tax and insurance) under $1,400 a month.
Is $60,000 enough to buy a house in Washington?
Not the typical home: the typical Washington home is worth $587,533 (Zillow, September 2026) and $60,000 supports about $213,000. 0 of 39 counties are within budget.