Can You Afford a Home in McCleary, WA?
A typical home in McCleary is worth $397,199, up 1.2% over the past year. That is $71K above the Grays Harbor County typical of $325,970.
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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 McCleary costs $397,199. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Grays Harbor County
Prices below are what keeps housing at 33% of gross income, using Grays Harbor County’s 0.87% 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 | $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 |
How McCleary compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Westport | $317,813 | +0.3% | $75,000 |
| Cosmopolis | $333,069 | -0.4% | $79,000 |
| Ocean Shores | $343,023 | -1.9% | $81,000 |
| Elma | $373,386 | -0.1% | $87,000 |
| Montesano | $395,318 | +0.2% | $92,000 |
| McCleary (this page) | $397,199 | +1.2% | $92,000 |
| Oakville | $399,265 | +1.8% | $93,000 |
If McCleary is out of reach, Westport, Cosmopolis, Ocean Shores, Elma, Montesano 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 McCleary sell for less than $397,199, 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.