Total monthly cost of ownership
Cost to Own a Home in Union Gap, Washington
A $186,000 home here costs
$1,562per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $67,000 a year.
A standard mortgage calculator would have told you $1,030. The real number is $532 higher every month, 52% more than the payment most buyers budget for.
Compare Yakima County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Union Gap against Yakima County and Washington
| Measure | Union Gap | Yakima County |
|---|---|---|
| Median home value | $186,200 | $281,100 |
| Median property tax | $1,693 | $2,299 |
| Effective tax rate | 0.909% | 0.818% |
| Median gross rent | $1,111 | $1,068 |
| Population | 6,511 | 256,605 |
The weather behind that power bill
Union Gap sits in Yakima County, which averages a high of 89.9°F in its hottest month and a low of 23.1°F in its coldest, with 8.01" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 606 cooling and 5,756 heating degree days, which is what sets the $140 electricity line above.
See the full climate breakdown for Yakima County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Yakima County
Full Yakima County cost breakdown · Every county in Washington
Talk to someone who works this market
These are Union Gap 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 Union Gap every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Union Gap I already own here and may sell
Common questions
How much does it cost to own a home in Union Gap?
A $186,000 home in Union Gap, Washington costs approximately $1,562 per month with 20% down at 7.4%. That is $1,030 principal and interest, $141 property tax, $28 homeowners insurance, $208 utilities and $155 set aside for maintenance.
What is the property tax rate in Union Gap?
Union Gap has an effective property tax rate of 0.909%, based on a median home value of $186,200 and median real estate taxes of $1,693. That is higher than the Yakima County average of 0.818%.
What is the average home price in Union Gap?
The median owner-occupied home value in Union Gap, Washington is $186,200, against $281,100 across Yakima County.
Is it cheaper to rent or buy in Union Gap?
Median gross rent in Union Gap is $1,111 a month, against $1,562 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 Union Gap?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Union Gap, Washington at today's rate takes a household income of roughly $67,000 a year. That covers the full $1,562 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Union Gap, 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.