Can You Afford a Home in Inchelium, WA?
A typical home in Inchelium is worth $259,166, up 0.6% over the past year. That is $36K below the Ferry County typical of $295,359.
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Inchelium costs $259,166. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Ferry County
Prices below are what keeps housing at 33% of gross income, using Ferry County’s 0.64% 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 | $327,000 | $269,000 | $246,000 | $263,000 |
| $100,000 | $448,000 | $368,000 | $337,000 | $360,000 |
| $125,000 | $568,000 | $468,000 | $428,000 | $457,000 |
| $150,000 | $689,000 | $567,000 | $519,000 | $554,000 |
| $200,000 | $931,000 | $766,000 | $701,000 | $748,000 |
How Inchelium compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Inchelium (this page) | $259,166 | +0.6% | $61,000 |
| Curlew | $281,462 | -0.4% | $66,000 |
| Republic | $282,449 | +2.9% | $66,000 |
| Malo | $302,944 | +1.5% | $70,000 |
What this does not tell you
These are typical values, not listings. Half the homes in Inchelium sell for less than $259,166, 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.