Total monthly cost of ownership
Cost to Own a Home in Cosmopolis, Washington
A $281,000 home here costs
$2,129per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,445. The real number is $684 higher every month — 47% 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.
Cosmopolis against Grays Harbor County and Washington
| Measure | Cosmopolis | Grays Harbor County |
|---|---|---|
| Median home value | $280,700 | $279,500 |
| Median property tax | $2,470 | $2,441 |
| Effective tax rate | 0.880% | 0.873% |
| Median gross rent | $913 | $1,018 |
| Population | 2,301 | 76,397 |
The weather behind that power bill
Cosmopolis sits in Grays Harbor County, which averages a high of 68.1°F in its hottest month and a low of 37.3°F in its coldest, with 68.76" of precipitation a year and 47% of it in a single three-month stretch. That climate drives 26 cooling and 5,114 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Grays Harbor County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Grays Harbor County
Full Grays Harbor County cost breakdown · Every county in Washington
Common questions
How much does it cost to own a home in Cosmopolis?
A $281,000 home in Cosmopolis, Washington costs approximately $2,129 per month with 20% down at 6.66%. That is $1,445 principal and interest, $206 property tax, $42 homeowners insurance, $202 utilities and $234 set aside for maintenance.
What is the property tax rate in Cosmopolis?
Cosmopolis has an effective property tax rate of 0.880%, based on a median home value of $280,700 and median real estate taxes of $2,470. That is in line with the Grays Harbor County average of 0.873%.
What is the average home price in Cosmopolis?
The median owner-occupied home value in Cosmopolis, Washington is $280,700, against $279,500 across Grays Harbor County.
Is it cheaper to rent or buy in Cosmopolis?
Median gross rent in Cosmopolis is $913 a month, against $2,129 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 Cosmopolis — 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.