Washington cost to own a home by county
Monthly PITI benchmarks for Washington counties, built from county median home values, ACS property-tax estimates, and modeled homeowners insurance.
Washington overview
Across 39 published counties, the average monthly carrying-cost benchmark is $2,594/mo. The county range runs from $1,375/mo to $5,209/mo under the shared assumptions.
Mixed confidence Property-tax inputs are Medium confidence county ACS estimates. Insurance inputs are Low confidence modeled budgets because carrier quotes are property-specific.
County monthly carrying-cost table
| County | Median home | Property tax | Insurance | P&I | Estimated total |
|---|---|---|---|---|---|
| Garfield County, Washington | $239,200 | $1,574/yr | $413/yr | $1,210/mo | $1,375/mo |
| Columbia County, Washington | $271,200 | $2,303/yr | $510/yr | $1,371/mo | $1,606/mo |
| Adams County, Washington | $273,300 | $2,147/yr | $604/yr | $1,382/mo | $1,611/mo |
| Ferry County, Washington | $283,400 | $1,801/yr | $808/yr | $1,433/mo | $1,650/mo |
| Lincoln County, Washington | $292,800 | $1,744/yr | $857/yr | $1,481/mo | $1,697/mo |
| Grant County, Washington | $299,500 | $2,339/yr | $1,025/yr | $1,514/mo | $1,795/mo |
| Okanogan County, Washington | $299,800 | $2,281/yr | $1,108/yr | $1,516/mo | $1,798/mo |
| Yakima County, Washington | $310,100 | $2,463/yr | $1,180/yr | $1,568/mo | $1,872/mo |
| Asotin County, Washington | $325,600 | $2,340/yr | $681/yr | $1,646/mo | $1,898/mo |
| Grays Harbor County, Washington | $314,000 | $2,512/yr | $1,216/yr | $1,588/mo | $1,898/mo |
| Pacific County, Washington | $334,800 | $2,395/yr | $1,265/yr | $1,693/mo | $1,998/mo |
| Stevens County, Washington | $350,600 | $2,065/yr | $1,069/yr | $1,773/mo | $2,034/mo |
| Pend Oreille County, Washington | $367,900 | $2,142/yr | $853/yr | $1,860/mo | $2,110/mo |
| Whitman County, Washington | $359,600 | $2,691/yr | $929/yr | $1,818/mo | $2,120/mo |
| Franklin County, Washington | $379,300 | $2,750/yr | $1,260/yr | $1,918/mo | $2,252/mo |
| Wahkiakum County, Washington | $396,800 | $2,392/yr | $842/yr | $2,006/mo | $2,276/mo |
| Lewis County, Washington | $385,800 | $2,581/yr | $1,431/yr | $1,951/mo | $2,285/mo |
| Cowlitz County, Washington | $397,500 | $3,245/yr | $1,480/yr | $2,010/mo | $2,404/mo |
| Benton County, Washington | $407,800 | $3,163/yr | $1,489/yr | $2,062/mo | $2,450/mo |
| Mason County, Washington | $411,800 | $3,006/yr | $1,487/yr | $2,082/mo | $2,457/mo |
| Walla Walla County, Washington | $408,900 | $3,492/yr | $1,246/yr | $2,068/mo | $2,462/mo |
| Klickitat County, Washington | $425,300 | $2,639/yr | $1,426/yr | $2,151/mo | $2,489/mo |
| Spokane County, Washington | $410,700 | $3,434/yr | $1,526/yr | $2,077/mo | $2,490/mo |
| Clallam County, Washington | $421,800 | $3,050/yr | $1,565/yr | $2,133/mo | $2,517/mo |
| Douglas County, Washington | $432,500 | $3,319/yr | $1,452/yr | $2,187/mo | $2,585/mo |
| Chelan County, Washington | $490,100 | $3,503/yr | $1,831/yr | $2,478/mo | $2,923/mo |
| Thurston County, Washington | $480,300 | $4,209/yr | $1,833/yr | $2,429/mo | $2,932/mo |
| Kittitas County, Washington | $497,400 | $3,552/yr | $1,838/yr | $2,515/mo | $2,964/mo |
| Skamania County, Washington | $529,500 | $3,532/yr | $1,487/yr | $2,677/mo | $3,096/mo |
| Jefferson County, Washington | $535,000 | $3,818/yr | $1,679/yr | $2,705/mo | $3,163/mo |
| Clark County, Washington | $522,900 | $4,290/yr | $1,969/yr | $2,644/mo | $3,166/mo |
| Pierce County, Washington | $526,600 | $4,770/yr | $2,058/yr | $2,663/mo | $3,232/mo |
| Skagit County, Washington | $545,100 | $4,308/yr | $2,010/yr | $2,756/mo | $3,283/mo |
| Kitsap County, Washington | $555,100 | $4,279/yr | $2,091/yr | $2,807/mo | $3,338/mo |
| Whatcom County, Washington | $585,800 | $4,087/yr | $2,189/yr | $2,962/mo | $3,485/mo |
| Island County, Washington | $593,300 | $3,999/yr | $2,044/yr | $3,000/mo | $3,504/mo |
| Snohomish County, Washington | $696,000 | $5,364/yr | $2,709/yr | $3,519/mo | $4,192/mo |
| San Juan County, Washington | $799,200 | $4,253/yr | $1,986/yr | $4,041/mo | $4,561/mo |
| King County, Washington | $859,900 | $7,114/yr | $3,217/yr | $4,348/mo | $5,209/mo |
How to use this page
Use this page to shortlist counties where the monthly carrying cost fits the budget, then open the county page to inspect source attribution, confidence, local comparisons, and the editable calculator. This is a planning benchmark, not a mortgage offer or insurance quote.
Sources: U.S. Census ACS, NAIC Homeowners Insurance Report, and FEMA National Risk Index. Data as of 2024-12-31.