Total monthly cost of ownership
Cost to Own a Home in Pullman, Washington
A $402,000 home here costs
$2,930per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,067. The real number is $864 higher every month — 42% 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.
Pullman against Whitman County and Washington
| Measure | Pullman | Whitman County |
|---|---|---|
| Median home value | $401,700 | $323,300 |
| Median property tax | $3,199 | $2,566 |
| Effective tax rate | 0.796% | 0.794% |
| Median gross rent | $1,010 | $1,002 |
| Population | 31,939 | 47,042 |
The weather behind that power bill
Pullman sits in Whitman County, which averages a high of 83.4°F in its hottest month and a low of 26.9°F in its coldest, with 17.53" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 284 cooling and 6,253 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Whitman County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Whitman County
Full Whitman County cost breakdown · Every county in Washington
Common questions
How much does it cost to own a home in Pullman?
A $402,000 home in Pullman, Washington costs approximately $2,930 per month with 20% down at 6.66%. That is $2,067 principal and interest, $267 property tax, $60 homeowners insurance, $202 utilities and $335 set aside for maintenance.
What is the property tax rate in Pullman?
Pullman has an effective property tax rate of 0.796%, based on a median home value of $401,700 and median real estate taxes of $3,199. That is in line with the Whitman County average of 0.794%.
What is the average home price in Pullman?
The median owner-occupied home value in Pullman, Washington is $401,700, against $323,300 across Whitman County.
Is it cheaper to rent or buy in Pullman?
Median gross rent in Pullman is $1,010 a month, against $2,930 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 Pullman — 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.