Total monthly cost of ownership
Cost to Own a Home in Warden, Washington
A $172,000 home here costs
$1,359per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $884. The real number is $475 higher every month — 54% 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.
Warden against Grant County and Washington
| Measure | Warden | Grant County |
|---|---|---|
| Median home value | $171,900 | $275,700 |
| Median property tax | $1,246 | $2,268 |
| Effective tax rate | 0.725% | 0.823% |
| Median gross rent | $819 | $1,059 |
| Population | 2,531 | 100,428 |
The weather behind that power bill
Warden sits in Grant County, which averages a high of 89.3°F in its hottest month and a low of 23.5°F in its coldest, with 7.58" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 843 cooling and 5,753 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Grant County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Grant County
Full Grant County cost breakdown · Every county in Washington
Common questions
How much does it cost to own a home in Warden?
A $172,000 home in Warden, Washington costs approximately $1,359 per month with 20% down at 6.66%. That is $884 principal and interest, $104 property tax, $26 homeowners insurance, $202 utilities and $143 set aside for maintenance.
What is the property tax rate in Warden?
Warden has an effective property tax rate of 0.725%, based on a median home value of $171,900 and median real estate taxes of $1,246. That is lower than the Grant County average of 0.823%.
What is the average home price in Warden?
The median owner-occupied home value in Warden, Washington is $171,900, against $275,700 across Grant County.
Is it cheaper to rent or buy in Warden?
Median gross rent in Warden is $819 a month, against $1,359 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 Warden — 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.