Can You Afford a Home in Centralia, WA?
A typical home in Centralia is worth $398,862, up 0.6% over the past year. That is $42K below the Lewis County typical of $440,705.
Open the calculator for Centralia Free, instant, no signup
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Centralia costs $398,862. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Lewis County
Prices below are what keeps housing at 33% of gross income, using Lewis County’s 0.71% 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 | $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 |
How Centralia compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Randle | $354,175 | +0.6% | $81,000 |
| Vader | $354,198 | -0.4% | $81,000 |
| Morton | $355,432 | +0.4% | $82,000 |
| Centralia (this page) | $398,862 | +0.6% | $91,000 |
| Napavine | $427,257 | +3.8% | $97,000 |
| Mossyrock | $451,428 | +1.1% | $102,000 |
| Packwood | $462,839 | +2% | $104,000 |
If Centralia is out of reach, Randle, Vader, Morton 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 Centralia sell for less than $398,862, 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.