AffordWhat

Can You Afford a Home in Dayton, WA?

A typical home in Dayton is worth $246,525, up 1.8% over the past year. That is $26K below the Columbia County typical of $272,028.

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Income needed — 20% down $56,000 $1,549/mo, plus $49,305 down
Income needed — zero down (VA) $67,000 $1,852/mo, about $6,163 at closing

Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Dayton costs $246,525. Rates as of 5 September 2026; they move weekly and your quote will differ.

What each income level buys in Columbia County

Prices below are what keeps housing at 33% of gross income, using Columbia County’s 0.86% effective property tax rate. The Conventional column assumes 20% down; the zero-down columns finance the funding fee into the loan.

Household incomeConventionalVAZero-down CUFHA
$75,000$334,000$276,000$253,000$270,000
$100,000$451,000$373,000$342,000$365,000
$125,000$568,000$470,000$431,000$459,000
$150,000$685,000$566,000$520,000$554,000
$200,000$919,000$760,000$697,000$743,000

How Dayton compares to nearby towns

TownTypical homeYear over yearIncome needed
Dayton (this page) $246,525+1.8% $56,000

What this does not tell you

These are typical values, not listings. Half the homes in Dayton sell for less than $246,525, 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.

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