Total monthly cost of ownership
Cost to Own a Home in Ilwaco, Washington
A $355,000 home here costs
$2,636per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,825. The real number is $811 higher every month — 44% 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.
Ilwaco against Pacific County and Washington
| Measure | Ilwaco | Pacific County |
|---|---|---|
| Median home value | $355,400 | $274,000 |
| Median property tax | $3,125 | $2,250 |
| Effective tax rate | 0.879% | 0.821% |
| Median gross rent | $1,250 | $962 |
| Population | 1,418 | 23,750 |
The weather behind that power bill
Ilwaco sits in Pacific County, which averages a high of 72.8°F in its hottest month and a low of 32.4°F in its coldest, with 83.65" of precipitation a year and 46% of it in a single three-month stretch. That climate drives 44 cooling and 5,572 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Pacific County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pacific County
Full Pacific County cost breakdown · Every county in Washington
Common questions
How much does it cost to own a home in Ilwaco?
A $355,000 home in Ilwaco, Washington costs approximately $2,636 per month with 20% down at 6.66%. That is $1,825 principal and interest, $260 property tax, $53 homeowners insurance, $202 utilities and $296 set aside for maintenance.
What is the property tax rate in Ilwaco?
Ilwaco has an effective property tax rate of 0.879%, based on a median home value of $355,400 and median real estate taxes of $3,125. That is higher than the Pacific County average of 0.821%.
What is the average home price in Ilwaco?
The median owner-occupied home value in Ilwaco, Washington is $355,400, against $274,000 across Pacific County.
Is it cheaper to rent or buy in Ilwaco?
Median gross rent in Ilwaco is $1,250 a month, against $2,636 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 Ilwaco — 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.