Home Affordability in Clark County, WA
A typical home in Clark County is worth $551,055, down 0.1% year over year. The effective property tax rate is 0.84% of value, and the 2026 conforming loan limit here is $832,750 — borrow more than that and you need a jumbo loan.
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Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Clark County costs $551,055. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income buys here
| Household income | Conventional | VA | Zero-down CU | FHA |
|---|---|---|---|---|
| $75,000 | $318,000 | $263,000 | $241,000 | $257,000 |
| $100,000 | $435,000 | $360,000 | $330,000 | $352,000 |
| $125,000 | $552,000 | $457,000 | $419,000 | $446,000 |
| $150,000 | $670,000 | $554,000 | $508,000 | $541,000 |
| $200,000 | $904,000 | $748,000 | $686,000 | $731,000 |
Conventional assumes 20% down. VA and credit-union 100% financing assume zero down with the funding fee financed into the loan; FHA assumes 3.5% down with mortgage insurance for the life of the loan. All hold housing at 33% of gross income and cap total debt at the program’s underwriting limit.
Towns in Clark County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Vancouver | $508,393 | -0.3% | $116,000 | Details |
| Camas | $750,827 | -0.8% | $167,000 | Details |
| Battle Ground | $608,297 | -0.2% | $137,000 | Details |
| Ridgefield | $672,927 | -0.7% | $151,000 | Details |
| Brush Prairie | $866,595 | -0.2% | $192,000 | Details |
| La Center | $665,948 | +0.4% | $149,000 | Details |
| Yacolt | $632,271 | +0.5% | $142,000 | Details |
| Amboy | $699,041 | +0.4% | $156,000 | Details |
The cheapest places in the county are Vancouver ($508K), Battle Ground ($608K), Yacolt ($632K).
How the zero-down math actually works
Putting nothing down does not simply move the down payment to zero — it costs you twice. Zero-down programs price above conventional, and they finance a funding fee into the balance, so you start out owing more than the house cost. In Clark County that difference is worth roughly $162K of purchasing power at a $150,000 income.
The exception is the VA loan. If anyone on the loan is Active Duty, Reserve, or a Veteran, it prices below conventional and charges no mortgage insurance — and the funding fee is waived entirely with any VA disability rating. It is almost always the cheapest zero-down option, and it is worth about $46K more house than a credit-union 100% loan here.