Total monthly cost of ownership
Cost to Own a Home in Pacific, Washington
A $437,000 home here costs
$3,242per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,247. The real number is $996 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.
Pacific against King County and Washington
| Measure | Pacific | King County |
|---|---|---|
| Median home value | $437,400 | $811,200 |
| Median property tax | $4,375 | $6,785 |
| Effective tax rate | 1.000% | 0.836% |
| Median gross rent | $1,722 | $2,035 |
| Population | 7,064 | 2,262,713 |
Pacific extends across 2 counties. Figures here use King County, where most of its housing sits.
The weather behind that power bill
Pacific sits in King County, which averages a high of 76.7°F in its hottest month and a low of 35.3°F in its coldest, with 63.28" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 151 cooling and 4,991 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for King County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in King County
Full King County cost breakdown · Every county in Washington
Common questions
How much does it cost to own a home in Pacific?
A $437,000 home in Pacific, Washington costs approximately $3,242 per month with 20% down at 6.66%. That is $2,247 principal and interest, $364 property tax, $65 homeowners insurance, $202 utilities and $364 set aside for maintenance.
What is the property tax rate in Pacific?
Pacific has an effective property tax rate of 1.000%, based on a median home value of $437,400 and median real estate taxes of $4,375. That is higher than the King County average of 0.836%.
What is the average home price in Pacific?
The median owner-occupied home value in Pacific, Washington is $437,400, against $811,200 across King County.
Is it cheaper to rent or buy in Pacific?
Median gross rent in Pacific is $1,722 a month, against $3,242 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 Pacific — 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.