Home Affordability in Lewis County, WA
A typical home in Lewis County is worth $440,705, up 1.7% year over year. The effective property tax rate is 0.71% 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 Lewis County costs $440,705. 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 | $324,000 | $267,000 | $244,000 | $261,000 |
| $100,000 | $443,000 | $365,000 | $335,000 | $357,000 |
| $125,000 | $563,000 | $464,000 | $425,000 | $453,000 |
| $150,000 | $682,000 | $562,000 | $515,000 | $549,000 |
| $200,000 | $921,000 | $759,000 | $696,000 | $742,000 |
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 Lewis County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Centralia | $398,862 | +0.6% | $91,000 | Details |
| Chehalis | $487,589 | +1.9% | $109,000 | Details |
| Winlock | $468,480 | +2.4% | $105,000 | Details |
| Onalaska | $516,244 | +2.1% | $115,000 | Details |
| Toledo | $520,634 | +2% | $116,000 | Details |
| Morton | $355,432 | +0.4% | $82,000 | Details |
| Mossyrock | $451,428 | +1.1% | $102,000 | Details |
| Randle | $354,175 | +0.6% | $81,000 | Details |
| Pe Ell | $313,902 | -4.1% | $73,000 | Details |
| Ethel | $582,926 | +3.7% | $129,000 | Details |
| Packwood | $462,839 | +2% | $104,000 | Details |
| Silver Creek | $513,282 | +1% | $115,000 | Details |
| Vader | $354,198 | -0.4% | $81,000 | Details |
| Napavine | $427,257 | +3.8% | $97,000 | Details |
The cheapest places in the county are Pe Ell ($314K), Randle ($354K), Vader ($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 Lewis County that difference is worth roughly $167K 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 $47K more house than a credit-union 100% loan here.