Home Affordability in Klickitat County, WA
A typical home in Klickitat County is worth $477,812, up 1.5% year over year. The effective property tax rate is 0.62% 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 Klickitat County costs $477,812. 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 | $328,000 | $270,000 | $247,000 | $263,000 |
| $100,000 | $449,000 | $369,000 | $338,000 | $361,000 |
| $125,000 | $570,000 | $469,000 | $429,000 | $458,000 |
| $150,000 | $691,000 | $568,000 | $520,000 | $555,000 |
| $200,000 | $933,000 | $767,000 | $703,000 | $750,000 |
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 Klickitat County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Goldendale | $323,316 | +1.1% | $74,000 | Details |
| White Salmon | $710,367 | +1.4% | $154,000 | Details |
| Lyle | $444,056 | +2.3% | $99,000 | Details |
| Centerville | $258,398 | -0.9% | $61,000 | Details |
| Trout Lake | $645,205 | -0.9% | $141,000 | Details |
| Appleton | $353,969 | +1% | $80,000 | Details |
| Glenwood | $394,380 | +3.3% | $89,000 | Details |
| Dallesport | $430,690 | -2.2% | $96,000 | Details |
The cheapest places in the county are Centerville ($258K), Goldendale ($323K), Appleton ($354K).
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 Klickitat County that difference is worth roughly $171K 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.