Total monthly cost of ownership
Cost to Own a Home in Napavine, Washington
A $336,000 home here costs
$2,414per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,727. The real number is $687 higher every month — 40% 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.
Napavine against Lewis County and Washington
| Measure | Napavine | Lewis County |
|---|---|---|
| Median home value | $335,500 | $341,500 |
| Median property tax | $1,850 | $2,433 |
| Effective tax rate | 0.551% | 0.712% |
| Median gross rent | $1,250 | $1,044 |
| Population | 1,705 | 83,925 |
The weather behind that power bill
Napavine sits in Lewis County, which averages a high of 78.0°F in its hottest month and a low of 32.3°F in its coldest, with 50.62" of precipitation a year and 47% of it in a single three-month stretch. That climate drives 113 cooling and 5,378 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Lewis County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lewis County
Full Lewis County cost breakdown · Every county in Washington
Common questions
How much does it cost to own a home in Napavine?
A $336,000 home in Napavine, Washington costs approximately $2,414 per month with 20% down at 6.66%. That is $1,727 principal and interest, $154 property tax, $50 homeowners insurance, $202 utilities and $280 set aside for maintenance.
What is the property tax rate in Napavine?
Napavine has an effective property tax rate of 0.551%, based on a median home value of $335,500 and median real estate taxes of $1,850. That is lower than the Lewis County average of 0.712%.
What is the average home price in Napavine?
The median owner-occupied home value in Napavine, Washington is $335,500, against $341,500 across Lewis County.
Is it cheaper to rent or buy in Napavine?
Median gross rent in Napavine is $1,250 a month, against $2,414 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 Napavine — 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.