Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Washington
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Washington ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Columbia County | 32.0% | $644 | $2,012 |
| 2 | Adams County | 32.0% | $630 | $1,972 |
| 3 | Garfield County | 31.6% | $528 | $1,671 |
| 4 | Grays Harbor County | 31.5% | $686 | $2,178 |
| 5 | Pacific County | 31.3% | $665 | $2,128 |
| 6 | Grant County | 31.2% | $668 | $2,140 |
| 7 | Yakima County | 31.1% | $676 | $2,177 |
| 8 | Asotin County | 30.8% | $680 | $2,208 |
| 9 | Okanogan County | 30.6% | $670 | $2,188 |
| 10 | Whitman County | 30.0% | $740 | $2,466 |
| 11 | Walla Walla County | 30.0% | $859 | $2,864 |
| 12 | Ferry County | 30.0% | $627 | $2,093 |
| 13 | Spokane County | 29.8% | $839 | $2,817 |
| 14 | Lincoln County | 29.6% | $611 | $2,064 |
| 15 | Cowlitz County | 29.4% | $818 | $2,779 |
| 16 | Franklin County | 29.4% | $768 | $2,613 |
| 17 | Pend Oreille County | 29.3% | $681 | $2,324 |
| 18 | Stevens County | 29.2% | $679 | $2,323 |
| 19 | Benton County | 29.2% | $814 | $2,786 |
| 20 | Pierce County | 29.1% | $1,063 | $3,649 |
| 21 | Thurston County | 29.1% | $988 | $3,399 |
| 22 | Lewis County | 29.0% | $746 | $2,569 |
| 23 | Mason County | 28.8% | $815 | $2,830 |
| 24 | Douglas County | 28.7% | $868 | $3,019 |
| 25 | Clallam County | 28.6% | $825 | $2,884 |
| 26 | Clark County | 28.3% | $1,027 | $3,632 |
| 27 | Skagit County | 28.2% | $1,020 | $3,615 |
| 28 | Wahkiakum County | 28.1% | $720 | $2,559 |
| 29 | Kitsap County | 27.8% | $1,041 | $3,740 |
| 30 | Klickitat County | 27.6% | $790 | $2,865 |
| 31 | Chelan County | 27.6% | $925 | $3,353 |
| 32 | Kittitas County | 27.5% | $931 | $3,386 |
| 33 | Skamania County | 27.4% | $954 | $3,477 |
| 34 | Jefferson County | 27.3% | $994 | $3,637 |
| 35 | Snohomish County | 26.9% | $1,268 | $4,709 |
| 36 | Whatcom County | 26.9% | $1,053 | $3,915 |
| 37 | Island County | 26.8% | $1,048 | $3,905 |
| 38 | King County | 26.6% | $1,570 | $5,901 |
| 39 | San Juan County | 24.6% | $1,266 | $5,145 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Washington