Can You Afford a Home in Port Townsend, WA?
A typical home in Port Townsend is worth $632,545, down 0.1% over the past year. That is $35K above the Jefferson County typical of $597,128.
Open the calculator for Port Townsend 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 Port Townsend costs $632,545. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Jefferson County
Prices below are what keeps housing at 33% of gross income, using Jefferson County’s 0.73% 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 | $319,000 | $263,000 | $241,000 | $257,000 |
| $100,000 | $438,000 | $362,000 | $331,000 | $353,000 |
| $125,000 | $558,000 | $460,000 | $421,000 | $449,000 |
| $150,000 | $677,000 | $558,000 | $511,000 | $545,000 |
| $200,000 | $915,000 | $755,000 | $692,000 | $737,000 |
How Port Townsend compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Brinnon | $367,426 | +0.3% | $85,000 |
| Quilcene | $459,500 | +0.6% | $104,000 |
| Port Hadlock | $465,220 | +0.3% | $106,000 |
| Chimacum | $552,250 | -0.2% | $124,000 |
| Port Townsend (this page) | $632,545 | -0.1% | $141,000 |
| Port Ludlow | $651,167 | -0.6% | $145,000 |
| Nordland | $785,567 | -0.2% | $173,000 |
If Port Townsend is out of reach, Brinnon, Quilcene, Port Hadlock, Chimacum 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 Port Townsend sell for less than $632,545, 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.