Home Affordability in Grant County, WA
A typical home in Grant County is worth $357,918, up 0.1% year over year. The effective property tax rate is 0.82% of value, and the 2026 conforming loan limit here is $832,750 — borrow more than that and you need a jumbo loan.
Open the calculator for Grant County Free, instant, no signup
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Grant County costs $357,918. 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 | $330,000 | $273,000 | $250,000 | $267,000 |
| $100,000 | $448,000 | $370,000 | $340,000 | $362,000 |
| $125,000 | $566,000 | $467,000 | $429,000 | $457,000 |
| $150,000 | $683,000 | $565,000 | $518,000 | $552,000 |
| $200,000 | $918,000 | $759,000 | $696,000 | $742,000 |
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 Grant County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Moses Lake | $362,448 | -0.2% | $82,000 | Details |
| Ephrata | $322,059 | +0.1% | $73,000 | Details |
| Quincy | $426,517 | +0.6% | $95,000 | Details |
| Mattawa | $441,229 | -1% | $99,000 | Details |
| Soap Lake | $300,433 | +0.2% | $69,000 | Details |
| Royal City | $349,033 | +1.7% | $79,000 | Details |
| Warden | $286,394 | -0.3% | $66,000 | Details |
| Electric City | $318,461 | +1.4% | $72,000 | Details |
| Hartline | $235,466 | -0.6% | $55,000 | Details |
The cheapest places in the county are Hartline ($235K), Warden ($286K), Soap Lake ($300K).
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 Grant County that difference is worth roughly $165K 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 $47K more house than a credit-union 100% loan here.