Can You Afford a Home in Ilwaco, WA?
A typical home in Ilwaco is worth $407,231, up 3% over the past year. That is $65K above the Pacific County typical of $342,166.
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Ilwaco costs $407,231. 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 0.72% 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 | $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 |
How Ilwaco compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| South Bend | $324,396 | +3% | $75,000 |
| Ocean Park | $348,076 | -1.4% | $80,000 |
| Long Beach | $354,472 | -0.9% | $82,000 |
| Seaview | $378,926 | +1.6% | $87,000 |
| Naselle | $401,435 | +1.8% | $91,000 |
| Ilwaco (this page) | $407,231 | +3% | $93,000 |
| Chinook | $422,144 | +1.4% | $96,000 |
If Ilwaco is out of reach, South Bend, Ocean Park, Long Beach, Seaview, 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 Ilwaco sell for less than $407,231, 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.