Can You Afford a Home in Pacific Beach, WA?
A typical home in Pacific Beach is worth $734,834, down 1.9% over the past year. That is $413K above the Grays Harbor County typical of $321,765.
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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 Pacific Beach costs $734,834. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Grays Harbor County
Prices below are what keeps housing at 33% of gross income, using Grays Harbor County’s 0.87% 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 | $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 |
How Pacific Beach compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Cosmopolis | $326,556 | -0.7% | $74,000 |
| Ocean Shores | $340,305 | -2.3% | $77,000 |
| Elma | $367,457 | -0.1% | $83,000 |
| McCleary | $389,676 | +1.3% | $88,000 |
| Montesano | $390,263 | +0.1% | $88,000 |
| Oakville | $394,361 | +1.4% | $89,000 |
| Pacific Beach (this page) | $734,834 | -1.9% | $162,000 |
If Pacific Beach is out of reach, Cosmopolis, Ocean Shores, Elma, McCleary, Montesano, Oakville 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 Pacific Beach sell for less than $734,834, 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.