Centralia, WA home prices
Typical home $428,511 · +1.4% in a year · income needed $118,300
The Centralia, WA metro area ranks 119 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.4% in a year and +15.2% over five years. With 20% down at 7.11%, the typical home costs about $2,759 a month including 0.67% property tax (Lewis County rate).
Mortgage on the typical Centralia home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $85,702 | $342,809 | $2,306 | $0 | $453 | $2,759 | $118,300 |
| 10% down | $42,851 | $385,660 | $2,594 | $161 | $453 | $3,208 | $137,500 |
| 5% down | $21,426 | $407,085 | $2,738 | $170 | $453 | $3,361 | $144,100 |
| 3.5% down (FHA) | $14,998 | $420,749 | $2,830 | $190 | $453 | $3,473 | $148,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.67% 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.
Counties in the Centralia area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lewis County, WA | $428,499 | +1.4% | 0.67% |
What can you afford in Washington on your salary? · Washington home prices · Salaries in Washington
Frequently asked questions
How much is a house in Centralia?
The typical home in the Centralia, WA metro area is worth $428,511 (Zillow, September 2026).
What salary do you need to buy a house in Centralia?
About $118,300 a year for the typical home with 20% down at 7.11%.