Ellensburg, WA home prices
Typical home $494,993 · +0.2% in a year · income needed $137,400
The Ellensburg, WA metro area ranks 75 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.2% in a year and +10.1% over five years. With 20% down at 7.11%, the typical home costs about $3,206 a month including 0.71% property tax (Kittitas County rate).
Mortgage on the typical Ellensburg home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $98,999 | $395,994 | $2,664 | $0 | $542 | $3,206 | $137,400 |
| 10% down | $49,499 | $445,493 | $2,997 | $186 | $542 | $3,725 | $159,600 |
| 5% down | $24,750 | $470,243 | $3,163 | $196 | $542 | $3,901 | $167,200 |
| 3.5% down (FHA) | $17,325 | $486,027 | $3,270 | $219 | $542 | $4,031 | $172,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.71% 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 Ellensburg area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Kittitas County, WA | $494,987 | +0.2% | 0.71% |
What can you afford in Washington on your salary? · Washington home prices · Salaries in Washington
Frequently asked questions
How much is a house in Ellensburg?
The typical home in the Ellensburg, WA metro area is worth $494,993 (Zillow, September 2026).
What salary do you need to buy a house in Ellensburg?
About $137,400 a year for the typical home with 20% down at 7.11%.