Can You Afford a Home in Wilbur, WA?
A typical home in Wilbur is worth $297,577, up 1.4% over the past year. That is $30K below the Lincoln County typical of $327,829.
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Wilbur costs $297,577. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Lincoln County
Prices below are what keeps housing at 33% of gross income, using Lincoln County’s 0.6% 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 | $329,000 | $270,000 | $247,000 | $264,000 |
| $100,000 | $450,000 | $370,000 | $339,000 | $362,000 |
| $125,000 | $572,000 | $470,000 | $430,000 | $459,000 |
| $150,000 | $693,000 | $570,000 | $521,000 | $557,000 |
| $200,000 | $936,000 | $769,000 | $704,000 | $752,000 |
How Wilbur compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Odessa | $220,205 | -2.7% | $53,000 |
| Wilbur (this page) | $297,577 | +1.4% | $69,000 |
| Davenport | $375,052 | -0.2% | $84,000 |
| Creston | $383,541 | 0% | $86,000 |
| Reardan | $408,681 | -2.1% | $91,000 |
If Wilbur is out of reach, Odessa sits 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 Wilbur sell for less than $297,577, 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.