Can You Afford a Home in Roy, WA?
A typical home in Roy is worth $626,454, up 0.2% over the past year. That is $54K above the Pierce County typical of $572,113.
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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 Roy costs $626,454. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Pierce County
Prices below are what keeps housing at 33% of gross income, using Pierce County’s 0.94% 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 | $313,000 | $260,000 | $238,000 | $254,000 |
| $100,000 | $429,000 | $356,000 | $326,000 | $348,000 |
| $125,000 | $545,000 | $451,000 | $414,000 | $441,000 |
| $150,000 | $660,000 | $547,000 | $502,000 | $535,000 |
| $200,000 | $891,000 | $739,000 | $679,000 | $723,000 |
How Roy compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Waller | $597,635 | +0.7% | $136,000 |
| Eatonville | $600,077 | +0.5% | $137,000 |
| Graham | $604,552 | -0.2% | $138,000 |
| Roy (this page) | $626,454 | +0.2% | $143,000 |
| Fircrest | $629,367 | +0.5% | $143,000 |
| Longbranch | $631,620 | +0.4% | $144,000 |
| Steilacoom | $645,132 | +0.2% | $147,000 |
If Roy is out of reach, Waller, Eatonville, Graham 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 Roy sell for less than $626,454, 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.