Washington home prices and mortgage costs
Typical home value $587,533 · -0.5% in a year · property tax 0.81%
Washington ranks 4th most expensive of 51 states and D.C. Home values changed -0.5% over the past year and +10.5% over five years. Buying the typical home with 20% down costs about $3,853 a month at 7.11%, which needs a household income of about $165,100.
Cost of the typical Washington home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $117,507 | $470,027 | $3,162 | $0 | $691 | $3,853 | $165,100 |
| 10% down | $58,753 | $528,780 | $3,557 | $220 | $691 | $4,468 | $191,500 |
| 5% down | $29,377 | $558,157 | $3,755 | $233 | $691 | $4,678 | $200,500 |
| 3.5% down (FHA) | $20,564 | $576,892 | $3,881 | $260 | $691 | $4,831 | $207,100 |
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.
Check a specific budget: how much house you can afford in Washington by salary · payment on a $600K home in Washington
Home prices by county in Washington
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| San Juan County | $897,256 | +1.2% | 0.53% | $5,675 | $243,200 |
| King County | $824,870 | -2.2% | 0.83% | $5,420 | $232,300 |
| Snohomish County | $728,217 | -1.8% | 0.77% | $4,751 | $203,600 |
| Island County | $634,229 | +0.5% | 0.67% | $4,087 | $175,100 |
| Whatcom County | $607,644 | +0.3% | 0.7% | $3,927 | $168,300 |
| Jefferson County | $593,704 | -0.5% | 0.71% | $3,845 | $164,800 |
| Kitsap County | $579,133 | +1.1% | 0.77% | $3,778 | $161,900 |
| Skagit County | $576,374 | +0.7% | 0.79% | $3,770 | $161,600 |
| Skamania County | $559,410 | +0.6% | 0.67% | $3,601 | $154,300 |
| Pierce County | $559,277 | +0.2% | 0.91% | $3,712 | $159,100 |
| Clark County | $541,704 | +0.2% | 0.82% | $3,556 | $152,400 |
| Chelan County | $531,212 | -0.8% | 0.71% | $3,441 | $147,500 |
| Thurston County | $521,378 | +0.1% | 0.88% | $3,447 | $147,700 |
| Kittitas County | $494,987 | +0.2% | 0.71% | $3,206 | $137,400 |
| Douglas County | $494,746 | +3.4% | 0.77% | $3,226 | $138,300 |
| Clallam County | $488,467 | -1.0% | 0.72% | $3,167 | $135,700 |
| Klickitat County | $469,127 | +1.7% | 0.62% | $3,002 | $128,600 |
| Mason County | $447,199 | +0.2% | 0.73% | $2,902 | $124,400 |
| Benton County | $446,007 | +0.4% | 0.78% | $2,912 | $124,800 |
| Lewis County | $428,499 | +1.4% | 0.67% | $2,759 | $118,300 |
| Spokane County | $419,205 | +0.2% | 0.84% | $2,758 | $118,200 |
| Cowlitz County | $417,827 | +0.1% | 0.82% | $2,742 | $117,500 |
| Franklin County | $416,391 | +0.4% | 0.73% | $2,701 | $115,700 |
| Walla Walla County | $413,682 | +0.5% | 0.85% | $2,728 | $116,900 |
| Wahkiakum County | $395,938 | +1.2% | 0.6% | $2,528 | $108,300 |
| Pend Oreille County | $368,749 | -0.1% | 0.58% | $2,348 | $100,600 |
| Stevens County | $367,926 | +0.5% | 0.59% | $2,345 | $100,500 |
| Grant County | $355,493 | -0.4% | 0.78% | $2,322 | $99,500 |
| Yakima County | $348,119 | +0.5% | 0.79% | $2,278 | $97,600 |
| Asotin County | $344,892 | +1.9% | 0.72% | $2,235 | $95,800 |
| Pacific County | $330,795 | -1.6% | 0.72% | $2,143 | $91,800 |
| Whitman County | $324,366 | +3.7% | 0.75% | $2,110 | $90,400 |
| Lincoln County | $317,400 | -1.8% | 0.6% | $2,024 | $86,800 |
| Grays Harbor County | $314,086 | -2.1% | 0.8% | $2,057 | $88,100 |
| Okanogan County | $308,425 | -1.3% | 0.76% | $2,010 | $86,100 |
| Adams County | $304,595 | -2.1% | 0.79% | $1,991 | $85,300 |
| Ferry County | $278,617 | -0.4% | 0.64% | $1,786 | $76,600 |
| Columbia County | $270,319 | +1.4% | 0.85% | $1,781 | $76,300 |
| Garfield County | $241,396 | +7.7% | 0.66% | $1,552 | $66,500 |
Metro areas in Washington
Frequently asked questions
What is the average home price in Washington?
The typical home in Washington is worth $587,533 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Washington?
About $165,100 a year to buy the typical $587,533 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Washington?
The typical effective rate is 0.81% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).