Income needed to buy a home
Garfield County, WA
$84,099
a year in household income to buy the typical Garfield County home with 10% down.
The monthly math
Typical home value$248,270
Down payment (10%)$24,827
Loan$223,443
Principal and interest (7.40%)$1,547/mo
Property tax (0.96% a year)$198/mo
Homeowners insurance (estimate)$124/mo
Mortgage insurance$93/mo
Total monthly cost$1,962/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
A stretch
The typical household here earns $64,884 a year, 77% of what it takes.
In Washington
Garfield County ranks #1 of 39 for the income a home takes, from least to most.
Easiest to afford in Washington
| County | Typical home | Income needed |
|---|---|---|
| Columbia County | $272,028 | $90,009 |
| Ferry County | $284,503 | $92,399 |
| Adams County | $307,472 | $101,561 |
| 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.