Home Affordability in Garfield County, WA
A typical home in Garfield County is worth $248,270, up 9.5% year over year. The effective property tax rate is 0.61% 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 Garfield County costs $248,270. 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 | $348,000 | $286,000 | $262,000 | $279,000 |
| $100,000 | $469,000 | $385,000 | $353,000 | $377,000 |
| $125,000 | $590,000 | $485,000 | $444,000 | $474,000 |
| $150,000 | $711,000 | $585,000 | $535,000 | $571,000 |
| $200,000 | $954,000 | $784,000 | $718,000 | $766,000 |
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 Garfield County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Pomeroy | $252,491 | +8.7% | $55,000 | Details |
The cheapest places in the county are Pomeroy ($252K).
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 Garfield County that difference is worth roughly $176K 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 $50K more house than a credit-union 100% loan here.