Total monthly cost of ownership
Cost to Own a Home in Garrett, Washington
A $375,000 home here costs
$2,827per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,928. The real number is $899 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.
Garrett against Walla Walla County and Washington
| Measure | Garrett | Walla Walla County |
|---|---|---|
| Median home value | $374,600 | $375,600 |
| Median property tax | $3,938 | $3,386 |
| Effective tax rate | 1.051% | 0.901% |
| Median gross rent | $1,075 | $1,113 |
| Population | 1,824 | 62,102 |
The weather behind that power bill
Garrett sits in Walla Walla County, which averages a high of 90.1°F in its hottest month and a low of 30.2°F in its coldest, with 18.74" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 936 cooling and 4,798 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Walla Walla County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Walla Walla County
Full Walla Walla County cost breakdown · Every county in Washington
Common questions
How much does it cost to own a home in Garrett?
A $375,000 home in Garrett, Washington costs approximately $2,827 per month with 20% down at 6.66%. That is $1,928 principal and interest, $328 property tax, $56 homeowners insurance, $202 utilities and $313 set aside for maintenance.
What is the property tax rate in Garrett?
Garrett has an effective property tax rate of 1.051%, based on a median home value of $374,600 and median real estate taxes of $3,938. That is higher than the Walla Walla County average of 0.901%.
What is the average home price in Garrett?
The median owner-occupied home value in Garrett, Washington is $374,600, against $375,600 across Walla Walla County.
Is it cheaper to rent or buy in Garrett?
Median gross rent in Garrett is $1,075 a month, against $2,827 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 Garrett — 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.