Home Affordability in Pacific County, WA
A typical home in Pacific County is worth $334,110, down 0.7% year over year. The effective property tax rate is 0.82% 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 Pacific County costs $334,110. 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 | $332,000 | $274,000 | $252,000 | $268,000 |
| $100,000 | $449,000 | $371,000 | $341,000 | $363,000 |
| $125,000 | $567,000 | $469,000 | $430,000 | $458,000 |
| $150,000 | $685,000 | $566,000 | $519,000 | $553,000 |
| $200,000 | $920,000 | $760,000 | $697,000 | $743,000 |
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 Pacific County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Raymond | $287,606 | -0.2% | $66,000 | Details |
| Long Beach | $347,582 | -1.2% | $78,000 | Details |
| South Bend | $313,843 | +1.6% | $71,000 | Details |
| Ocean Park | $342,749 | -2.1% | $77,000 | Details |
| Grayland | $283,343 | +2.9% | $65,000 | Details |
| Naselle | $395,754 | +1.6% | $89,000 | Details |
| Ilwaco | $394,444 | +2% | $88,000 | Details |
| Seaview | $369,147 | +1.2% | $83,000 | Details |
| Tokeland | $278,992 | +0.3% | $64,000 | Details |
| Chinook | $406,547 | 0% | $91,000 | Details |
The cheapest places in the county are Tokeland ($279K), Grayland ($283K), Raymond ($288K).
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 Pacific County that difference is worth roughly $166K 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 $47K more house than a credit-union 100% loan here.