Total monthly cost of ownership
Cost to Own a Home in Colville, Washington
A $248,000 home here costs
$1,855per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,275. The real number is $580 higher every month — 46% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Colville against Stevens County and Washington
| Measure | Colville | Stevens County |
|---|---|---|
| Median home value | $247,800 | $308,000 |
| Median property tax | $1,611 | $2,016 |
| Effective tax rate | 0.650% | 0.655% |
| Median gross rent | $878 | $864 |
| Population | 4,979 | 47,470 |
The weather behind that power bill
Colville sits in Stevens County, which averages a high of 86.3°F in its hottest month and a low of 20.3°F in its coldest, with 21.36" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 261 cooling and 7,065 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Stevens County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Stevens County
Full Stevens County cost breakdown · Every county in Washington
Common questions
How much does it cost to own a home in Colville?
A $248,000 home in Colville, Washington costs approximately $1,855 per month with 20% down at 6.66%. That is $1,275 principal and interest, $134 property tax, $37 homeowners insurance, $202 utilities and $207 set aside for maintenance.
What is the property tax rate in Colville?
Colville has an effective property tax rate of 0.650%, based on a median home value of $247,800 and median real estate taxes of $1,611. That is in line with the Stevens County average of 0.655%.
What is the average home price in Colville?
The median owner-occupied home value in Colville, Washington is $247,800, against $308,000 across Stevens County.
Is it cheaper to rent or buy in Colville?
Median gross rent in Colville is $878 a month, against $1,855 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Colville — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Washington.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.