Home Affordability in Grays Harbor County, WA
A typical home in Grays Harbor County is worth $325,970, down 1.2% year over year. The effective property tax rate is 0.87% 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 Grays Harbor County costs $325,970. 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 | $316,000 | $262,000 | $240,000 | $256,000 |
| $100,000 | $433,000 | $358,000 | $329,000 | $350,000 |
| $125,000 | $550,000 | $455,000 | $418,000 | $445,000 |
| $150,000 | $667,000 | $552,000 | $506,000 | $539,000 |
| $200,000 | $900,000 | $745,000 | $684,000 | $728,000 |
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 Grays Harbor County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Aberdeen | $281,523 | -3.3% | $68,000 | Details |
| Elma | $373,386 | -0.1% | $87,000 | Details |
| Hoquiam | $246,956 | -4% | $60,000 | Details |
| Montesano | $395,318 | +0.2% | $92,000 | Details |
| McCleary | $397,199 | +1.2% | $92,000 | Details |
| Ocean Shores | $343,023 | -1.9% | $81,000 | Details |
| Oakville | $399,265 | +1.8% | $93,000 | Details |
| Cosmopolis | $333,069 | -0.4% | $79,000 | Details |
| Westport | $317,813 | +0.3% | $75,000 | Details |
| Copalis Beach | $241,464 | -2.1% | $59,000 | Details |
| Pacific Beach | $749,060 | -2.2% | $168,000 | Details |
The cheapest places in the county are Copalis Beach ($241K), Hoquiam ($247K), Aberdeen ($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 Grays Harbor County that difference is worth roughly $160K 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 $45K more house than a credit-union 100% loan here.