Can You Afford a Home in Rock Island, WA?
A typical home in Rock Island is worth $442,599, up 6.3% over the past year. That is $53K below the Douglas County typical of $495,797.
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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 Rock Island costs $442,599. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Douglas County
Prices below are what keeps housing at 33% of gross income, using Douglas 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 | $323,000 | $267,000 | $245,000 | $261,000 |
| $100,000 | $441,000 | $364,000 | $334,000 | $356,000 |
| $125,000 | $559,000 | $462,000 | $424,000 | $451,000 |
| $150,000 | $677,000 | $559,000 | $513,000 | $547,000 |
| $200,000 | $914,000 | $754,000 | $692,000 | $738,000 |
How Rock Island compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Mansfield | $241,657 | +4.5% | $58,000 |
| Bridgeport | $250,561 | +9.2% | $60,000 |
| Grand Coulee | $263,705 | +0.4% | $62,000 |
| Coulee City | $300,808 | +0.8% | $70,000 |
| Waterville | $312,206 | +7.9% | $73,000 |
| Rock Island (this page) | $442,599 | +6.3% | $100,000 |
| East Wenatchee | $515,690 | +3% | $116,000 |
If Rock Island is out of reach, Mansfield, Bridgeport, Grand Coulee, Coulee City, Waterville 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 Rock Island sell for less than $442,599, 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.