Can You Afford a Home in Richland, WA?
A typical home in Richland is worth $466,478, up 0.3% over the past year. That is $18K above the Benton County typical of $448,538.
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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 Richland costs $466,478. 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 0.79% 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 | $326,000 | $269,000 | $247,000 | $263,000 |
| $100,000 | $444,000 | $367,000 | $336,000 | $359,000 |
| $125,000 | $562,000 | $464,000 | $426,000 | $454,000 |
| $150,000 | $680,000 | $562,000 | $515,000 | $549,000 |
| $200,000 | $917,000 | $757,000 | $694,000 | $740,000 |
How Richland compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Sunnyside | $320,990 | +0.8% | $74,000 |
| Prosser | $419,707 | 0% | $95,000 |
| Kennewick | $431,000 | +0.6% | $97,000 |
| Benton City | $431,958 | +1.1% | $97,000 |
| Richland (this page) | $466,478 | +0.3% | $105,000 |
| West Richland | $494,635 | -0.1% | $111,000 |
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 $466,478, 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.