Can You Afford a Home in Centralia, WA?
A typical home in Centralia is worth $398,862, up 0.6% over the past year. That is $42K below the Lewis County typical of $440,705.
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Centralia costs $398,862. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Lewis County
Prices below are what keeps housing at 33% of gross income, using Lewis County’s 0.67% 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 | $326,000 | $268,000 | $246,000 | $262,000 |
| $100,000 | $446,000 | $367,000 | $336,000 | $359,000 |
| $125,000 | $566,000 | $466,000 | $427,000 | $455,000 |
| $150,000 | $686,000 | $565,000 | $517,000 | $552,000 |
| $200,000 | $926,000 | $763,000 | $699,000 | $745,000 |
How Centralia compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Randle | $354,175 | +0.6% | $81,000 |
| Vader | $354,198 | -0.4% | $81,000 |
| Morton | $355,432 | +0.4% | $81,000 |
| Centralia (this page) | $398,862 | +0.6% | $90,000 |
| Napavine | $427,257 | +3.8% | $96,000 |
| Mossyrock | $451,428 | +1.1% | $101,000 |
| Packwood | $462,839 | +2% | $104,000 |
If Centralia is out of reach, Randle, Vader, Morton 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 Centralia sell for less than $398,862, 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.