Can You Afford a Home in Graham, WA?
A typical home in Graham is worth $604,552, down 0.2% over the past year. That is $32K above the Pierce County typical of $572,113.
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Graham costs $604,552. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Pierce County
Prices below are what keeps housing at 33% of gross income, using Pierce County’s 0.91% 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 | $315,000 | $261,000 | $239,000 | $255,000 |
| $100,000 | $431,000 | $357,000 | $328,000 | $349,000 |
| $125,000 | $547,000 | $453,000 | $416,000 | $443,000 |
| $150,000 | $663,000 | $549,000 | $504,000 | $537,000 |
| $200,000 | $895,000 | $741,000 | $681,000 | $725,000 |
How Graham compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Summit | $592,588 | -0.3% | $135,000 |
| Sumner | $597,314 | +0.9% | $136,000 |
| Waller | $597,635 | +0.7% | $136,000 |
| Eatonville | $600,077 | +0.5% | $136,000 |
| Graham (this page) | $604,552 | -0.2% | $137,000 |
| Roy | $626,454 | +0.2% | $142,000 |
| Fircrest | $629,367 | +0.5% | $143,000 |
If Graham is out of reach, Summit, Sumner, Waller, Eatonville 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 Graham sell for less than $604,552, 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.