Can You Afford a Home in Eltopia, WA?
A typical home in Eltopia is worth $699,706, up 5.8% over the past year. That is $283K above the Franklin County typical of $416,623.
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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 Eltopia costs $699,706. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Franklin County
Prices below are what keeps housing at 33% of gross income, using Franklin County’s 0.76% 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 | $329,000 | $272,000 | $249,000 | $266,000 |
| $100,000 | $448,000 | $370,000 | $339,000 | $361,000 |
| $125,000 | $567,000 | $468,000 | $429,000 | $457,000 |
| $150,000 | $685,000 | $566,000 | $518,000 | $553,000 |
| $200,000 | $923,000 | $761,000 | $698,000 | $744,000 |
How Eltopia compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Connell | $318,777 | +2.6% | $73,000 |
| Pasco | $416,723 | +0.3% | $93,000 |
| Mesa | $555,568 | +3% | $123,000 |
| Eltopia (this page) | $699,706 | +5.8% | $153,000 |
If Eltopia is out of reach, Connell, Pasco, Mesa 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 Eltopia sell for less than $699,706, 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.