Can You Afford a Home in Chinook, WA?
A typical home in Chinook is worth $406,547, up 0% over the past year. That is $72K above the Pacific County typical of $334,110.
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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 Chinook costs $406,547. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Pacific County
Prices below are what keeps housing at 33% of gross income, using Pacific County’s 0.82% 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 | $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 |
How Chinook compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| South Bend | $313,843 | +1.6% | $71,000 |
| Ocean Park | $342,749 | -2.1% | $77,000 |
| Long Beach | $347,582 | -1.2% | $78,000 |
| Seaview | $369,147 | +1.2% | $83,000 |
| Ilwaco | $394,444 | +2% | $88,000 |
| Naselle | $395,754 | +1.6% | $89,000 |
| Chinook (this page) | $406,547 | 0% | $91,000 |
If Chinook is out of reach, South Bend, Ocean Park, Long Beach, Seaview, Ilwaco, Naselle 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 Chinook sell for less than $406,547, 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.