District of Columbia home prices and mortgage costs
Typical home value $567,271 · -0.7% in a year · property tax 0.67%
District of Columbia ranks 6th most expensive of 51 states and D.C. Home values changed -0.7% over the past year and -9.6% over five years. Buying the typical home with 20% down costs about $3,654 a month at 7.11%, which needs a household income of about $156,600.
Cost of the typical District of Columbia home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $113,454 | $453,816 | $3,053 | $0 | $601 | $3,654 | $156,600 |
| 10% down | $56,727 | $510,544 | $3,434 | $213 | $601 | $4,248 | $182,100 |
| 5% down | $28,364 | $538,907 | $3,625 | $225 | $601 | $4,451 | $190,800 |
| 3.5% down (FHA) | $19,854 | $556,996 | $3,747 | $251 | $601 | $4,599 | $197,100 |
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.
Check a specific budget: how much house you can afford in District of Columbia by salary · payment on a $550K home in District of Columbia
Home prices by county in District of Columbia
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| District of Columbia | $567,289 | -0.7% | 0.58% | $3,613 | $154,800 |
Frequently asked questions
What is the average home price in District of Columbia?
The typical home in District of Columbia is worth $567,271 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in District of Columbia?
About $156,600 a year to buy the typical $567,271 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in District of Columbia?
The typical effective rate is 0.67% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).