Home Affordability in Pacific County, WA
A typical home in Pacific County is worth $342,166, up 0% year over year. The effective property tax rate is 0.72% of value, and the 2026 conforming loan limit here is $832,750 — borrow more than that and you need a jumbo loan.
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 $342,166. 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 | $323,000 | $266,000 | $244,000 | $260,000 |
| $100,000 | $443,000 | $365,000 | $334,000 | $357,000 |
| $125,000 | $562,000 | $463,000 | $424,000 | $453,000 |
| $150,000 | $681,000 | $562,000 | $515,000 | $549,000 |
| $200,000 | $920,000 | $758,000 | $695,000 | $741,000 |
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 | $298,702 | +0.6% | $70,000 | Details |
| Long Beach | $354,472 | -0.9% | $82,000 | Details |
| South Bend | $324,396 | +3% | $75,000 | Details |
| Ocean Park | $348,076 | -1.4% | $80,000 | Details |
| Grayland | $287,150 | +4.6% | $67,000 | Details |
| Naselle | $401,435 | +1.8% | $91,000 | Details |
| Ilwaco | $407,231 | +3% | $93,000 | Details |
| Seaview | $378,926 | +1.6% | $87,000 | Details |
| Tokeland | $286,911 | +2.2% | $67,000 | Details |
| Chinook | $422,144 | +1.4% | $96,000 | Details |
The cheapest places in the county are Tokeland ($287K), Grayland ($287K), Raymond ($299K).
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 $167K 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.