Garfield County, Washington home prices
Typical home $241,396 · +7.7% in a year · property tax 0.66%
The typical home in Garfield County is worth $241,396, 59% less than the Washington typical home ($587,533). Values changed +7.7% in the past year and +38.1% over five years. Homeowners here pay a median 0.66% of their home's value in property tax each year ($1,588 on the typical home), versus 0.81% statewide.
Mortgage on the typical Garfield County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $48,279 | $193,117 | $1,299 | $0 | $253 | $1,552 | $66,500 |
| 10% down | $24,140 | $217,256 | $1,461 | $91 | $253 | $1,805 | $77,400 |
| 5% down | $12,070 | $229,326 | $1,543 | $96 | $253 | $1,891 | $81,100 |
| 3.5% down (FHA) | $8,449 | $237,024 | $1,594 | $107 | $253 | $1,954 | $83,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.66% 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.
What it takes: see what you can afford by salary in Washington.
Washington counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Columbia County | $270,319 | +1.4% | 0.85% |
| Ferry County | $278,617 | -0.4% | 0.64% |
| Adams County | $304,595 | -2.1% | 0.79% |
| Okanogan County | $308,425 | -1.3% | 0.76% |
| Grays Harbor County | $314,086 | -2.1% | 0.8% |
| Lincoln County | $317,400 | -1.8% | 0.6% |
| Whitman County | $324,366 | +3.7% | 0.75% |
| Pacific County | $330,795 | -1.6% | 0.72% |
| Asotin County | $344,892 | +1.9% | 0.72% |
| Yakima County | $348,119 | +0.5% | 0.79% |
Frequently asked questions
What is the average home price in Garfield County, WA?
The typical home value in Garfield County is $241,396 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Garfield County?
About $66,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Garfield County?
The median effective rate is 0.66% of home value a year (Census ACS 2024 5-year estimates).