Can You Afford a Home in Centralia, WA?
A typical home in Centralia is worth $392,170, up 0.3% over the past year. That is $42K below the Lewis County typical of $433,836.
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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 Centralia costs $392,170. 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 0.71% 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 | $331,000 | $273,000 | $250,000 | $266,000 |
| $100,000 | $450,000 | $371,000 | $340,000 | $363,000 |
| $125,000 | $570,000 | $470,000 | $430,000 | $459,000 |
| $150,000 | $689,000 | $568,000 | $520,000 | $555,000 |
| $200,000 | $928,000 | $765,000 | $701,000 | $748,000 |
How Centralia compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Vader | $348,182 | -0.8% | $79,000 |
| Randle | $348,614 | +0.9% | $79,000 |
| Morton | $351,542 | +0.6% | $79,000 |
| Centralia (this page) | $392,170 | +0.3% | $88,000 |
| Napavine | $422,438 | +4% | $94,000 |
| Mossyrock | $444,029 | +1% | $99,000 |
| Packwood | $451,317 | +2.4% | $100,000 |
If Centralia is out of reach, Vader, Randle, 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 $392,170, 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.