Can You Afford a Home in Richland, WA?
A typical home in Richland is worth $470,131, up 0.2% over the past year. That is $17K above the Benton County typical of $452,721.
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Richland costs $470,131. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Benton County
Prices below are what keeps housing at 33% of gross income, using Benton County’s 0.78% 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 | $265,000 | $243,000 | $259,000 |
| $100,000 | $439,000 | $362,000 | $332,000 | $354,000 |
| $125,000 | $557,000 | $460,000 | $422,000 | $450,000 |
| $150,000 | $675,000 | $558,000 | $511,000 | $545,000 |
| $200,000 | $912,000 | $753,000 | $690,000 | $736,000 |
How Richland compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Sunnyside | $328,728 | +1.4% | $77,000 |
| Prosser | $426,178 | +0.2% | $97,000 |
| Kennewick | $435,000 | +0.5% | $99,000 |
| Benton City | $436,840 | +0.9% | $100,000 |
| Richland (this page) | $470,131 | +0.2% | $107,000 |
| West Richland | $498,909 | -0.3% | $113,000 |
If Richland is out of reach, Sunnyside, Prosser, Kennewick, Benton City 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 Richland sell for less than $470,131, 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.