Can You Afford a Home in Ephrata, WA?
A typical home in Ephrata is worth $322,059, up 0.1% over the past year. That is $36K below the Grant County typical of $357,918.
Open the calculator for Ephrata 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 Ephrata costs $322,059. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Grant County
Prices below are what keeps housing at 33% of gross income, using Grant County’s 0.82% 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 | $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 |
How Ephrata compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Hartline | $235,466 | -0.6% | $55,000 |
| Warden | $286,394 | -0.3% | $66,000 |
| Soap Lake | $300,433 | +0.2% | $69,000 |
| Electric City | $318,461 | +1.4% | $72,000 |
| Ephrata (this page) | $322,059 | +0.1% | $73,000 |
| Royal City | $349,033 | +1.7% | $79,000 |
| Moses Lake | $362,448 | -0.2% | $82,000 |
If Ephrata is out of reach, Hartline, Warden, Soap Lake, Electric City 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 Ephrata sell for less than $322,059, 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.