Can You Afford a Home in Ellensburg, WA?
A typical home in Ellensburg is worth $453,399, up 0.2% over the past year. That is $44K below the Kittitas County typical of $497,022.
Open the calculator for Ellensburg 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 Ellensburg costs $453,399. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Kittitas County
Prices below are what keeps housing at 33% of gross income, using Kittitas County’s 0.71% 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 | $327,000 | $269,000 | $247,000 | $263,000 |
| $100,000 | $446,000 | $368,000 | $337,000 | $359,000 |
| $125,000 | $566,000 | $466,000 | $427,000 | $456,000 |
| $150,000 | $685,000 | $565,000 | $517,000 | $552,000 |
| $200,000 | $924,000 | $762,000 | $698,000 | $744,000 |
How Ellensburg compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Kittitas | $300,940 | +1.3% | $70,000 |
| Easton | $401,245 | -0.3% | $91,000 |
| South Cle Elum | $407,030 | +2.2% | $92,000 |
| Ellensburg (this page) | $453,399 | +0.2% | $102,000 |
| Roslyn | $459,002 | +1.8% | $103,000 |
| Thorp | $472,199 | +2.8% | $105,000 |
| Cle Elum | $608,590 | +1.1% | $134,000 |
If Ellensburg is out of reach, Kittitas, Easton, South Cle Elum 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 Ellensburg sell for less than $453,399, 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.