Housing affordability index in Washington
Housing affordability index in Washington: puts one number on the housing question: 34.8% of the state's median household income goes to principal and interest on a median-priced home at today's rate.
30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).
Share of income
34.8%
principal + interest
Monthly payment
$2,697
on a $519,254 home
Median income
$93,119
households, ACS 5-year
| Rank | County | Share of income | Monthly P&I |
|---|---|---|---|
| 1 | San Juan County | 54.7% | $3,499 |
| 2 | Jefferson County | 43.2% | $2,334 |
| 3 | King County | 40.8% | $3,955 |
| 4 | Kittitas County | 39% | $2,169 |
| 5 | Whatcom County | 38.2% | $2,467 |
| 6 | Whitman County | 37.7% | $1,550 |
| 7 | Island County | 36.2% | $2,497 |
| 8 | Chelan County | 35.8% | $2,142 |
| 9 | Snohomish County | 35.5% | $3,079 |
| 10 | Skagit County | 33.8% | $2,308 |
| 11 | Wahkiakum County | 33.6% | $1,657 |
| 12 | Clallam County | 33.3% | $1,837 |
| 13 | Klickitat County | 33% | $1,831 |
| 14 | Skamania County | 32.7% | $2,301 |
| 15 | Clark County | 31.3% | $2,354 |
| 16 | Ferry County | 31.2% | $1,313 |
| 17 | Walla Walla County | 31% | $1,722 |
| 18 | Kitsap County | 30.8% | $2,405 |
| 19 | Pend Oreille County | 30.3% | $1,497 |
| 20 | Pierce County | 30.3% | $2,309 |
| 21 | Spokane County | 29.4% | $1,722 |
| 22 | Cowlitz County | 29.2% | $1,725 |
| 23 | Thurston County | 28.9% | $2,138 |
| 24 | Douglas County | 28.8% | $1,905 |
| 25 | Mason County | 28.5% | $1,768 |
| 26 | Lewis County | 28.4% | $1,593 |
| 27 | Stevens County | 27.7% | $1,440 |
| 28 | Okanogan County | 26.9% | $1,304 |
| 29 | Pacific County | 26.7% | $1,309 |
| 30 | Grays Harbor County | 26.4% | $1,298 |
| 31 | Asotin County | 26.1% | $1,384 |
| 32 | Benton County | 25.2% | $1,759 |
| 33 | Franklin County | 24.7% | $1,603 |
| 34 | Yakima County | 24.5% | $1,323 |
| 35 | Grant County | 23% | $1,270 |
| 36 | Adams County | 21.4% | $1,127 |
| 37 | Lincoln County | 21.3% | $1,208 |
| 38 | Columbia County | 20.8% | $1,193 |
| 39 | Garfield County | 20.4% | $987 |
Methodology
Every county figure for Washington uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.
The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.
Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.
Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.