Income needed to buy a home
Adams County, WA
$101,561
a year in household income to buy the typical Adams County home with 10% down.
The monthly math
Typical home value$307,472
Down payment (10%)$30,747
Loan$276,725
Principal and interest (7.40%)$1,916/mo
Property tax (0.72% a year)$185/mo
Homeowners insurance (estimate)$154/mo
Mortgage insurance$115/mo
Total monthly cost$2,370/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Far off
The typical household here earns $66,136 a year, 65% of what it takes.
In Washington
Adams County ranks #4 of 39 for the income a home takes, from least to most.
Easiest to afford in Washington
| County | Typical home | Income needed |
|---|---|---|
| Garfield County | $248,270 | $84,099 |
| Columbia County | $272,028 | $90,009 |
| Ferry County | $284,503 | $92,399 |
| Okanogan County | $313,136 | $102,538 |
| Lincoln County | $320,606 | $104,548 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.