Can You Afford a Home in Garfield, WA?
A typical home in Garfield is worth $285,040, down 6.2% over the past year. That is $54K below the Whitman County typical of $339,135.
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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 Garfield costs $285,040. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Whitman County
Prices below are what keeps housing at 33% of gross income, using Whitman County’s 0.79% 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 | $320,000 | $264,000 | $242,000 | $258,000 |
| $100,000 | $438,000 | $362,000 | $332,000 | $354,000 |
| $125,000 | $556,000 | $459,000 | $421,000 | $449,000 |
| $150,000 | $674,000 | $557,000 | $511,000 | $544,000 |
| $200,000 | $911,000 | $752,000 | $690,000 | $735,000 |
How Garfield compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Tekoa | $245,199 | -4.4% | $59,000 |
| Rosalia | $270,391 | +4.4% | $65,000 |
| Garfield (this page) | $285,040 | -6.2% | $68,000 |
| La Crosse | $286,953 | -5% | $68,000 |
| Oakesdale | $289,547 | +8.6% | $69,000 |
| Farmington | $299,186 | -0.3% | $71,000 |
| Saint John | $300,899 | +6.2% | $71,000 |
If Garfield is out of reach, Tekoa, Rosalia 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 Garfield sell for less than $285,040, 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.