Total monthly cost of ownership
Cost to Own a Home in Kettle Falls, Washington
A $215,000 home here costs
$1,640per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,105. The real number is $534 higher every month — 48% 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.
Kettle Falls against Stevens County and Washington
| Measure | Kettle Falls | Stevens County |
|---|---|---|
| Median home value | $215,100 | $308,000 |
| Median property tax | $1,451 | $2,016 |
| Effective tax rate | 0.675% | 0.655% |
| Median gross rent | $807 | $864 |
| Population | 1,703 | 47,470 |
The weather behind that power bill
Kettle Falls 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 Kettle Falls?
A $215,000 home in Kettle Falls, Washington costs approximately $1,640 per month with 20% down at 6.66%. That is $1,105 principal and interest, $121 property tax, $32 homeowners insurance, $202 utilities and $179 set aside for maintenance.
What is the property tax rate in Kettle Falls?
Kettle Falls has an effective property tax rate of 0.675%, based on a median home value of $215,100 and median real estate taxes of $1,451. That is higher than the Stevens County average of 0.655%.
What is the average home price in Kettle Falls?
The median owner-occupied home value in Kettle Falls, Washington is $215,100, against $308,000 across Stevens County.
Is it cheaper to rent or buy in Kettle Falls?
Median gross rent in Kettle Falls is $807 a month, against $1,640 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 Kettle Falls — 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.