Can You Afford a Home in South Bend, WA?
A typical home in South Bend is worth $313,843, up 1.6% over the past year. That is $20K below 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 South Bend costs $313,843. 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 South Bend compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Tokeland | $278,992 | +0.3% | $64,000 |
| Grayland | $283,343 | +2.9% | $65,000 |
| Raymond | $287,606 | -0.2% | $66,000 |
| South Bend (this page) | $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 |
If South Bend is out of reach, Tokeland, Grayland, Raymond 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 South Bend sell for less than $313,843, 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.