How much house can I afford on $90,000 in Washington?
About $320,000 with 20% down ($255,000 with an FHA loan), using Washington's 0.81% property tax rate.
That is $267,286 less than the typical Washington home ($587,533), so on $90,000 you'd look at cheaper areas or a smaller home. The payment of $2,100 covers $1,723 principal and interest, $216 property tax and $160 insurance.
Counties in Washington you can afford on $90,000
7 of 39 counties have a typical home value at or below $320,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lincoln County | $317,400 | -1.8% | 0.6% |
| Grays Harbor County | $314,086 | -2.1% | 0.8% |
| Okanogan County | $308,425 | -1.3% | 0.76% |
| Adams County | $304,595 | -2.1% | 0.79% |
| Ferry County | $278,617 | -0.4% | 0.64% |
| Columbia County | $270,319 | +1.4% | 0.85% |
| Garfield County | $241,396 | +7.7% | 0.66% |
Affordable metro areas
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 $90,000 in Washington?
About $320,000 with 20% down at 7.11%, keeping the payment (with Washington's 0.81% property tax and insurance) under $2,100 a month.
Is $90,000 enough to buy a house in Washington?
Not the typical home: the typical Washington home is worth $587,533 (Zillow, September 2026) and $90,000 supports about $320,000. 7 of 39 counties are within budget.