Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Washington
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Washington ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Garfield County | $528 | $214,200 | 0.610% |
| 2 | Lincoln County | $611 | $272,300 | 0.595% |
| 3 | Ferry County | $627 | $274,500 | 0.653% |
| 4 | Adams County | $630 | $251,300 | 0.837% |
| 5 | Columbia County | $644 | $256,100 | 0.865% |
| 6 | Pacific County | $665 | $274,000 | 0.821% |
| 7 | Grant County | $668 | $275,700 | 0.823% |
| 8 | Okanogan County | $670 | $284,200 | 0.772% |
| 9 | Yakima County | $676 | $281,100 | 0.818% |
| 10 | Stevens County | $679 | $308,000 | 0.655% |
| 11 | Asotin County | $680 | $286,200 | 0.800% |
| 12 | Pend Oreille County | $681 | $307,800 | 0.665% |
| 13 | Grays Harbor County | $686 | $279,500 | 0.873% |
| 14 | Wahkiakum County | $720 | $344,500 | 0.605% |
| 15 | Whitman County | $740 | $323,300 | 0.794% |
| 16 | Lewis County | $746 | $341,500 | 0.712% |
| 17 | Franklin County | $768 | $345,700 | 0.763% |
| 18 | Klickitat County | $790 | $388,700 | 0.618% |
| 19 | Benton County | $814 | $369,400 | 0.788% |
| 20 | Mason County | $815 | $377,400 | 0.751% |
| 21 | Cowlitz County | $818 | $367,400 | 0.813% |
| 22 | Clallam County | $825 | $385,600 | 0.742% |
| 23 | Spokane County | $839 | $370,500 | 0.863% |
| 24 | Walla Walla County | $859 | $375,600 | 0.901% |
| 25 | Douglas County | $868 | $402,900 | 0.786% |
| 26 | Chelan County | $925 | $454,900 | 0.711% |
| 27 | Kittitas County | $931 | $459,900 | 0.708% |
| 28 | Skamania County | $954 | $472,600 | 0.715% |
| 29 | Thurston County | $988 | $451,500 | 0.895% |
| 30 | Jefferson County | $994 | $495,100 | 0.726% |
| 31 | Skagit County | $1,020 | $486,200 | 0.824% |
| 32 | Clark County | $1,027 | $487,900 | 0.836% |
| 33 | Kitsap County | $1,041 | $505,700 | 0.797% |
| 34 | Island County | $1,048 | $535,300 | 0.703% |
| 35 | Whatcom County | $1,053 | $536,100 | 0.712% |
| 36 | Pierce County | $1,063 | $484,400 | 0.940% |
| 37 | San Juan County | $1,266 | $726,500 | 0.569% |
| 38 | Snohomish County | $1,268 | $644,600 | 0.794% |
| 39 | King County | $1,570 | $811,200 | 0.836% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Washington