Can You Afford a Home in Kalama, WA?
A typical home in Kalama is worth $546,345, down 0.2% over the past year. That is $122K above the Cowlitz County typical of $424,669.
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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 Kalama costs $546,345. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Cowlitz County
Prices below are what keeps housing at 33% of gross income, using Cowlitz County’s 0.81% effective property tax rate. The Conventional column assumes 20% down; the zero-down columns finance the funding fee into the loan.
| Household income | Conventional | VA | Zero-down CU | FHA |
|---|---|---|---|---|
| $75,000 | $319,000 | $264,000 | $242,000 | $258,000 |
| $100,000 | $437,000 | $361,000 | $331,000 | $353,000 |
| $125,000 | $555,000 | $458,000 | $420,000 | $448,000 |
| $150,000 | $672,000 | $556,000 | $510,000 | $543,000 |
| $200,000 | $908,000 | $750,000 | $688,000 | $733,000 |
How Kalama compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Longview | $392,665 | 0% | $91,000 |
| Castle Rock | $487,751 | +1.1% | $111,000 |
| Silverlake | $492,082 | +0.3% | $112,000 |
| Toutle | $516,880 | +2.8% | $117,000 |
| Kalama (this page) | $546,345 | -0.2% | $123,000 |
| Ariel | $573,924 | +4.6% | $129,000 |
| Woodland | $595,519 | +2% | $134,000 |
If Kalama is out of reach, Longview, Castle Rock, Silverlake, Toutle sit lower in the same county — same commute shed, same schools district-by-district, less money.
What this does not tell you
These are typical values, not listings. Half the homes in Kalama sell for less than $546,345, and condos and townhomes sit well below it. Property tax is a county-wide effective rate, so your parcel will differ. Insurance is a state average. Run your own numbers with your own quote before you take any of this as settled.