Can You Afford a Home in Toledo, WA?
A typical home in Toledo is worth $513,255, up 1.8% over the past year. That is $79K above 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 Toledo costs $513,255. 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 Toledo compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Packwood | $451,317 | +2.4% | $100,000 |
| Winlock | $462,850 | +2.3% | $103,000 |
| Chehalis | $480,040 | +2% | $106,000 |
| Silver Creek | $504,997 | +0.7% | $111,000 |
| Onalaska | $508,905 | +2.3% | $112,000 |
| Toledo (this page) | $513,255 | +1.8% | $113,000 |
| Ethel | $570,140 | +3.4% | $125,000 |
If Toledo is out of reach, Packwood, Winlock, Chehalis, Silver Creek, Onalaska 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 Toledo sell for less than $513,255, 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.