Total monthly cost of ownership
Cost to Own a Home in Puget Island, Washington
A $398,000 home here costs
$2,866per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,046. The real number is $820 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.
Puget Island against Wahkiakum County and Washington
| Measure | Puget Island | Wahkiakum County |
|---|---|---|
| Median home value | $398,200 | $344,500 |
| Median property tax | $2,719 | $2,084 |
| Effective tax rate | 0.683% | 0.605% |
| Median gross rent | — | $1,086 |
| Population | 1,136 | 4,573 |
The weather behind that power bill
Puget Island sits in Wahkiakum County, which averages a high of 77.3°F in its hottest month and a low of 33.1°F in its coldest, with 103.55" of precipitation a year and 47% of it in a single three-month stretch. That climate drives 112 cooling and 4,985 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Wahkiakum County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Wahkiakum County
No other places of this size are published in Wahkiakum County.
Full Wahkiakum County cost breakdown · Every county in Washington
Common questions
How much does it cost to own a home in Puget Island?
A $398,000 home in Puget Island, Washington costs approximately $2,866 per month with 20% down at 6.66%. That is $2,046 principal and interest, $227 property tax, $59 homeowners insurance, $202 utilities and $332 set aside for maintenance.
What is the property tax rate in Puget Island?
Puget Island has an effective property tax rate of 0.683%, based on a median home value of $398,200 and median real estate taxes of $2,719. That is higher than the Wahkiakum County average of 0.605%.
What is the average home price in Puget Island?
The median owner-occupied home value in Puget Island, Washington is $398,200, against $344,500 across Wahkiakum County.
Is it cheaper to rent or buy in Puget Island?
Rent data is not published for Puget Island at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Puget Island — 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.