Home Affordability in Ferry County, WA
A typical home in Ferry County is worth $284,503, up 1.1% year over year. The effective property tax rate is 0.65% 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 Ferry County costs $284,503. 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 | $343,000 | $282,000 | $259,000 | $276,000 |
| $100,000 | $464,000 | $382,000 | $349,000 | $373,000 |
| $125,000 | $584,000 | $481,000 | $440,000 | $470,000 |
| $150,000 | $705,000 | $580,000 | $531,000 | $567,000 |
| $200,000 | $946,000 | $778,000 | $713,000 | $761,000 |
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 Ferry County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Republic | $272,241 | +1.6% | $60,000 | Details |
| Curlew | $267,562 | -1.8% | $59,000 | Details |
| Inchelium | $246,029 | -0.1% | $55,000 | Details |
| Malo | $294,635 | +1.4% | $65,000 | Details |
The cheapest places in the county are Inchelium ($246K), Curlew ($268K), Republic ($272K).
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 Ferry County that difference is worth roughly $174K 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 $49K more house than a credit-union 100% loan here.