Can You Afford a Home in Chimacum, WA?
A typical home in Chimacum is worth $562,623, down 0.3% over the past year. That is $45K below the Jefferson County typical of $607,624.
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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 Chimacum costs $562,623. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Jefferson County
Prices below are what keeps housing at 33% of gross income, using Jefferson County’s 0.73% 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 | $323,000 | $266,000 | $244,000 | $260,000 |
| $100,000 | $442,000 | $364,000 | $334,000 | $356,000 |
| $125,000 | $561,000 | $463,000 | $424,000 | $452,000 |
| $150,000 | $680,000 | $561,000 | $514,000 | $548,000 |
| $200,000 | $918,000 | $757,000 | $694,000 | $740,000 |
How Chimacum compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Forks | $339,748 | +0.9% | $79,000 |
| Brinnon | $368,910 | +0.5% | $85,000 |
| Quilcene | $470,937 | +0.6% | $106,000 |
| Port Hadlock | $472,446 | +0.7% | $106,000 |
| Chimacum (this page) | $562,623 | -0.3% | $125,000 |
| Port Townsend | $644,009 | +0.2% | $142,000 |
| Port Ludlow | $659,342 | -0.5% | $146,000 |
If Chimacum is out of reach, Forks, Brinnon, Quilcene, Port Hadlock 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 Chimacum sell for less than $562,623, 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.