Home Affordability in Yakima County, WA
A typical home in Yakima County is worth $358,246, up 1.2% 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 Yakima County costs $358,246. 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 Yakima County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Yakima | $367,203 | +1.1% | $85,000 | Details |
| Selah | $444,779 | +1.1% | $102,000 | Details |
| Grandview | $343,548 | +0.8% | $80,000 | Details |
| Wapato | $292,998 | -0.4% | $70,000 | Details |
| Toppenish | $280,776 | -0.9% | $67,000 | Details |
| Zillah | $388,699 | +0.9% | $90,000 | Details |
| Union Gap | $262,349 | +0.6% | $63,000 | Details |
| Moxee | $407,778 | +1.3% | $94,000 | Details |
| Naches | $328,831 | +2.5% | $77,000 | Details |
| Mabton | $287,445 | -0.6% | $68,000 | Details |
| Granger | $314,527 | +2.8% | $74,000 | Details |
| Cowiche | $355,347 | +3% | $83,000 | Details |
| Outlook | $372,407 | +3.1% | $86,000 | Details |
| White Swan | $319,837 | +5.5% | $75,000 | Details |
| Tieton | $350,278 | +0.1% | $82,000 | Details |
| Harrah | $323,890 | +3.1% | $76,000 | Details |
The cheapest places in the county are Union Gap ($262K), Toppenish ($281K), Mabton ($287K).
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 Yakima 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.