Home Affordability in Pacific County, WA
A typical home in Pacific County is worth $342,166, up 0% year over year. The effective property tax rate is 0.82% 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 Pacific County costs $342,166. 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 | $319,000 | $263,000 | $242,000 | $257,000 |
| $100,000 | $436,000 | $361,000 | $331,000 | $352,000 |
| $125,000 | $554,000 | $458,000 | $420,000 | $447,000 |
| $150,000 | $671,000 | $555,000 | $509,000 | $542,000 |
| $200,000 | $907,000 | $749,000 | $687,000 | $733,000 |
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 Pacific County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Raymond | $298,702 | +0.6% | $71,000 | Details |
| Long Beach | $354,472 | -0.9% | $83,000 | Details |
| South Bend | $324,396 | +3% | $76,000 | Details |
| Ocean Park | $348,076 | -1.4% | $81,000 | Details |
| Grayland | $287,150 | +4.6% | $68,000 | Details |
| Naselle | $401,435 | +1.8% | $93,000 | Details |
| Ilwaco | $407,231 | +3% | $94,000 | Details |
| Seaview | $378,926 | +1.6% | $88,000 | Details |
| Tokeland | $286,911 | +2.2% | $68,000 | Details |
| Chinook | $422,144 | +1.4% | $97,000 | Details |
The cheapest places in the county are Tokeland ($287K), Grayland ($287K), Raymond ($299K).
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 Pacific County that difference is worth roughly $162K 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 $46K more house than a credit-union 100% loan here.