Home Affordability in Klickitat County, WA
A typical home in Klickitat County is worth $471,262, up 1.6% year over year. The effective property tax rate is 0.62% 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 Klickitat County costs $471,262. 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 | $333,000 | $274,000 | $250,000 | $267,000 |
| $100,000 | $454,000 | $373,000 | $342,000 | $365,000 |
| $125,000 | $575,000 | $473,000 | $433,000 | $462,000 |
| $150,000 | $696,000 | $572,000 | $524,000 | $559,000 |
| $200,000 | $938,000 | $771,000 | $706,000 | $754,000 |
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 Klickitat County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Goldendale | $317,047 | +0.7% | $72,000 | Details |
| White Salmon | $706,923 | +1.8% | $152,000 | Details |
| Lyle | $437,316 | +2.3% | $97,000 | Details |
| Centerville | $251,449 | -0.9% | $58,000 | Details |
| Trout Lake | $632,506 | -0.8% | $137,000 | Details |
| Appleton | $346,725 | +0.5% | $78,000 | Details |
| Glenwood | $385,946 | +2.2% | $86,000 | Details |
| Dallesport | $424,172 | -1.8% | $94,000 | Details |
The cheapest places in the county are Centerville ($251K), Goldendale ($317K), Appleton ($347K).
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 Klickitat County that difference is worth roughly $172K 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 $48K more house than a credit-union 100% loan here.