Total monthly cost of ownership
Cost to Own a Home in Port Hadlock-Irondale, Washington
A $343,000 home here costs
$2,602per 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 $111,500 a year.
A standard mortgage calculator would have told you $1,870. The real number is $732 higher every month, 39% more than the payment most buyers budget for.
Compare Jefferson County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Port Hadlock-Irondale from a five-year rolling sample, and with about 3,695 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 Jefferson 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.
Port Hadlock-Irondale against Jefferson County and Washington
| Measure | Port Hadlock-Irondale | Jefferson County |
|---|---|---|
| Median home value | $342,800 | $495,100 |
| Median property tax | $2,251 | $3,596 |
| Effective tax rate | 0.657% | 0.726% |
| Median gross rent | $1,263 | $1,291 |
| Population | 3,695 | 33,313 |
The weather behind that power bill
Port Hadlock-Irondale sits in Jefferson County, which averages a high of 69.7°F in its hottest month and a low of 33.0°F in its coldest, with 29.41" of precipitation a year and 50% of it in a single three-month stretch. That climate drives 23 cooling and 6,015 heating degree days, which is what sets the $140 electricity line above.
See the full climate breakdown for Jefferson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jefferson County
Full Jefferson County cost breakdown · Every county in Washington
Talk to someone who works this market
These are Port Hadlock-Irondale 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 Port Hadlock-Irondale every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Port Hadlock-Irondale I already own here and may sell
Common questions
How much does it cost to own a home in Port Hadlock-Irondale?
A $343,000 home in Port Hadlock-Irondale, Washington costs approximately $2,602 per month with 20% down at 7.24%. That is $1,870 principal and interest, $188 property tax, $51 homeowners insurance, $208 utilities and $286 set aside for maintenance.
What is the property tax rate in Port Hadlock-Irondale?
Port Hadlock-Irondale has an effective property tax rate of 0.657%, based on a median home value of $342,800 and median real estate taxes of $2,251. That is lower than the Jefferson County average of 0.726%.
What is the average home price in Port Hadlock-Irondale?
The median owner-occupied home value in Port Hadlock-Irondale, Washington is $342,800, against $495,100 across Jefferson County.
Is it cheaper to rent or buy in Port Hadlock-Irondale?
Median gross rent in Port Hadlock-Irondale is $1,263 a month, against $2,602 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 Port Hadlock-Irondale?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Port Hadlock-Irondale, Washington at today's rate takes a household income of roughly $111,500 a year. That covers the full $2,602 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Port Hadlock-Irondale, 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.