Home Affordability in Clallam County, WA
A typical home in Clallam County is worth $493,460, down 0.9% year over year. The effective property tax rate is 0.74% 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 Clallam County costs $493,460. 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 | $325,000 | $268,000 | $246,000 | $262,000 |
| $100,000 | $444,000 | $367,000 | $336,000 | $358,000 |
| $125,000 | $563,000 | $465,000 | $426,000 | $454,000 |
| $150,000 | $682,000 | $563,000 | $516,000 | $550,000 |
| $200,000 | $920,000 | $759,000 | $696,000 | $742,000 |
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 Clallam County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Port Angeles | $453,796 | -0.2% | $102,000 | Details |
| Sequim | $562,843 | -2% | $125,000 | Details |
| Sekiu | $345,286 | +0.6% | $79,000 | Details |
The cheapest places in the county are Sekiu ($345K), Port Angeles ($454K), Sequim ($563K).
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 Clallam County that difference is worth roughly $167K 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 $47K more house than a credit-union 100% loan here.