Home Affordability in Pend Oreille County, WA
A typical home in Pend Oreille County is worth $369,819, up 0.5% year over year. The effective property tax rate is 0.67% 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 Pend Oreille County costs $369,819. 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 | $337,000 | $277,000 | $254,000 | $271,000 |
| $100,000 | $457,000 | $376,000 | $345,000 | $368,000 |
| $125,000 | $577,000 | $475,000 | $435,000 | $464,000 |
| $150,000 | $697,000 | $574,000 | $526,000 | $561,000 |
| $200,000 | $938,000 | $772,000 | $707,000 | $754,000 |
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 Pend Oreille County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Newport | $408,094 | +0.4% | $90,000 | Details |
| Cusick | $281,510 | -1.3% | $64,000 | Details |
| Metaline Falls | $255,650 | +1.3% | $58,000 | Details |
| Ione | $279,155 | -3.4% | $63,000 | Details |
The cheapest places in the county are Metaline Falls ($256K), Ione ($279K), Cusick ($282K).
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 Pend Oreille County that difference is worth roughly $171K 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 $48K more house than a credit-union 100% loan here.