Total monthly cost of ownership
Cost to Own a Home in Winlock, Washington
A $314,000 home here costs
$2,281per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,614. The real number is $667 higher every month — 41% 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.
Winlock against Lewis County and Washington
| Measure | Winlock | Lewis County |
|---|---|---|
| Median home value | $314,100 | $341,500 |
| Median property tax | $1,873 | $2,433 |
| Effective tax rate | 0.596% | 0.712% |
| Median gross rent | $1,120 | $1,044 |
| Population | 1,951 | 83,925 |
The weather behind that power bill
Winlock sits in Lewis County, which averages a high of 78.0°F in its hottest month and a low of 32.3°F in its coldest, with 50.62" of precipitation a year and 47% of it in a single three-month stretch. That climate drives 113 cooling and 5,378 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Lewis County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lewis County
Full Lewis County cost breakdown · Every county in Washington
Common questions
How much does it cost to own a home in Winlock?
A $314,000 home in Winlock, Washington costs approximately $2,281 per month with 20% down at 6.66%. That is $1,614 principal and interest, $156 property tax, $47 homeowners insurance, $202 utilities and $262 set aside for maintenance.
What is the property tax rate in Winlock?
Winlock has an effective property tax rate of 0.596%, based on a median home value of $314,100 and median real estate taxes of $1,873. That is lower than the Lewis County average of 0.712%.
What is the average home price in Winlock?
The median owner-occupied home value in Winlock, Washington is $314,100, against $341,500 across Lewis County.
Is it cheaper to rent or buy in Winlock?
Median gross rent in Winlock is $1,120 a month, against $2,281 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 Winlock — 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.