Home Affordability in Ferry County, WA
A typical home in Ferry County is worth $295,359, up 2.2% year over year. The effective property tax rate is 0.65% 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 Ferry County costs $295,359. 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 | $327,000 | $269,000 | $246,000 | $263,000 |
| $100,000 | $447,000 | $368,000 | $337,000 | $359,000 |
| $125,000 | $568,000 | $467,000 | $428,000 | $456,000 |
| $150,000 | $688,000 | $566,000 | $519,000 | $553,000 |
| $200,000 | $929,000 | $765,000 | $700,000 | $747,000 |
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 Ferry County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Republic | $282,449 | +2.9% | $66,000 | Details |
| Curlew | $281,462 | -0.4% | $66,000 | Details |
| Inchelium | $259,166 | +0.6% | $61,000 | Details |
| Malo | $302,944 | +1.5% | $70,000 | Details |
The cheapest places in the county are Inchelium ($259K), Curlew ($281K), Republic ($282K).
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 Ferry County that difference is worth roughly $170K 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 $48K more house than a credit-union 100% loan here.