Home Affordability in Grant County, WA
A typical home in Grant County is worth $363,094, up 0.4% year over year. The effective property tax rate is 0.78% of value, and the 2026 conforming loan limit here is $832,750 — borrow more than that and you need a jumbo loan.
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 $363,094. 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 | $320,000 | $265,000 | $243,000 | $259,000 |
| $100,000 | $439,000 | $362,000 | $332,000 | $354,000 |
| $125,000 | $557,000 | $460,000 | $422,000 | $450,000 |
| $150,000 | $675,000 | $558,000 | $511,000 | $545,000 |
| $200,000 | $912,000 | $753,000 | $690,000 | $736,000 |
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 | $367,681 | +0.2% | $85,000 | Details |
| Ephrata | $327,335 | +0.5% | $76,000 | Details |
| Quincy | $431,613 | +0.8% | $98,000 | Details |
| Mattawa | $445,839 | -1.4% | $102,000 | Details |
| Soap Lake | $305,742 | +0.4% | $72,000 | Details |
| Royal City | $351,336 | +2.4% | $82,000 | Details |
| Warden | $291,131 | +0.4% | $69,000 | Details |
| Electric City | $327,958 | +1.3% | $77,000 | Details |
| Hartline | $237,604 | +0.7% | $57,000 | Details |
The cheapest places in the county are Hartline ($238K), Warden ($291K), Soap Lake ($306K).
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 $164K 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 $46K more house than a credit-union 100% loan here.