Total monthly cost of ownership
Cost to Own a Home in McCleary, Washington
A $327,000 home here costs
$2,566per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $110,000 a year.
A standard mortgage calculator would have told you $1,783. The real number is $783 higher every month, 44% more than the payment most buyers budget for.
Compare Grays Harbor County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for McCleary from a five-year rolling sample, and with about 2,262 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Grays Harbor County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
McCleary against Grays Harbor County and Washington
| Measure | McCleary | Grays Harbor County |
|---|---|---|
| Median home value | $327,100 | $279,500 |
| Median property tax | $3,053 | $2,441 |
| Effective tax rate | 0.933% | 0.873% |
| Median gross rent | $993 | $1,018 |
| Population | 2,262 | 76,397 |
The weather behind that power bill
McCleary 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 $140 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
Talk to someone who works this market
These are McCleary averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works McCleary every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in McCleary I already own here and may sell
Common questions
How much does it cost to own a home in McCleary?
A $327,000 home in McCleary, Washington costs approximately $2,566 per month with 20% down at 7.24%. That is $1,783 principal and interest, $254 property tax, $49 homeowners insurance, $208 utilities and $273 set aside for maintenance.
What is the property tax rate in McCleary?
McCleary has an effective property tax rate of 0.933%, based on a median home value of $327,100 and median real estate taxes of $3,053. That is higher than the Grays Harbor County average of 0.873%.
What is the average home price in McCleary?
The median owner-occupied home value in McCleary, Washington is $327,100, against $279,500 across Grays Harbor County.
Is it cheaper to rent or buy in McCleary?
Median gross rent in McCleary is $993 a month, against $2,566 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in McCleary?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in McCleary, Washington at today's rate takes a household income of roughly $110,000 a year. That covers the full $2,566 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for McCleary, 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.