Total monthly cost of ownership
Cost to Own a Home in Othello, Washington
A $279,000 home here costs
$2,128per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,434. The real number is $694 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.
Othello against Adams County and Washington
| Measure | Othello | Adams County |
|---|---|---|
| Median home value | $278,600 | $251,300 |
| Median property tax | $2,605 | $2,104 |
| Effective tax rate | 0.935% | 0.837% |
| Median gross rent | $1,041 | $901 |
| Population | 8,699 | 20,690 |
The weather behind that power bill
Othello sits in Adams County, which averages a high of 89.2°F in its hottest month and a low of 25.8°F in its coldest, with 10.13" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 590 cooling and 5,736 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Adams County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Adams County
Full Adams County cost breakdown · Every county in Washington
Common questions
How much does it cost to own a home in Othello?
A $279,000 home in Othello, Washington costs approximately $2,128 per month with 20% down at 6.66%. That is $1,434 principal and interest, $217 property tax, $41 homeowners insurance, $202 utilities and $233 set aside for maintenance.
What is the property tax rate in Othello?
Othello has an effective property tax rate of 0.935%, based on a median home value of $278,600 and median real estate taxes of $2,605. That is higher than the Adams County average of 0.837%.
What is the average home price in Othello?
The median owner-occupied home value in Othello, Washington is $278,600, against $251,300 across Adams County.
Is it cheaper to rent or buy in Othello?
Median gross rent in Othello is $1,041 a month, against $2,128 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 Othello — 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.