Home Affordability in Skagit County, WA
A typical home in Skagit County is worth $578,908, up 1.2% year over year. The effective property tax rate is 0.82% 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 Skagit County costs $578,908. 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 | $316,000 | $261,000 | $240,000 | $256,000 |
| $100,000 | $434,000 | $359,000 | $329,000 | $351,000 |
| $125,000 | $552,000 | $456,000 | $418,000 | $446,000 |
| $150,000 | $669,000 | $553,000 | $507,000 | $541,000 |
| $200,000 | $904,000 | $748,000 | $686,000 | $731,000 |
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 Skagit County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Mount Vernon | $584,082 | +1.3% | $132,000 | Details |
| Anacortes | $715,464 | +1% | $160,000 | Details |
| Sedro-Woolley | $495,325 | 0% | $113,000 | Details |
| Burlington | $538,793 | +0.9% | $122,000 | Details |
| Concrete | $256,634 | +0.6% | $62,000 | Details |
| Bow | $843,489 | +3.1% | $187,000 | Details |
| La Conner | $455,246 | -4.4% | $105,000 | Details |
| Lyman | $458,200 | +1.7% | $105,000 | Details |
| Marblemount | $202,687 | -4.5% | $51,000 | Details |
The cheapest places in the county are Marblemount ($203K), Concrete ($257K), La Conner ($455K).
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 Skagit County that difference is worth roughly $162K 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 $46K more house than a credit-union 100% loan here.