Home Affordability in Grays Harbor County, WA
A typical home in Grays Harbor County is worth $321,765, down 1.4% year over year. The effective property tax rate is 0.87% 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 Grays Harbor County costs $321,765. 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 | $251,000 | $267,000 |
| $100,000 | $447,000 | $370,000 | $339,000 | $362,000 |
| $125,000 | $564,000 | $467,000 | $428,000 | $456,000 |
| $150,000 | $681,000 | $563,000 | $517,000 | $551,000 |
| $200,000 | $914,000 | $756,000 | $694,000 | $740,000 |
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 Grays Harbor County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Aberdeen | $276,473 | -3.2% | $63,000 | Details |
| Elma | $367,457 | -0.1% | $83,000 | Details |
| Hoquiam | $244,951 | -4.1% | $57,000 | Details |
| Montesano | $390,263 | +0.1% | $88,000 | Details |
| McCleary | $389,676 | +1.3% | $88,000 | Details |
| Ocean Shores | $340,305 | -2.3% | $77,000 | Details |
| Oakville | $394,361 | +1.4% | $89,000 | Details |
| Cosmopolis | $326,556 | -0.7% | $74,000 | Details |
| Westport | $315,577 | +0.3% | $72,000 | Details |
| Copalis Beach | $243,465 | -3% | $56,000 | Details |
| Pacific Beach | $734,834 | -1.9% | $162,000 | Details |
The cheapest places in the county are Copalis Beach ($243K), Hoquiam ($245K), Aberdeen ($276K).
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 Grays Harbor 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.