Home Affordability in Skamania County, WA
A typical home in Skamania County is worth $557,773, down 0.2% year over year. The effective property tax rate is 0.72% 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 Skamania County costs $557,773. 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 | $322,000 | $266,000 | $243,000 | $260,000 |
| $100,000 | $442,000 | $364,000 | $334,000 | $356,000 |
| $125,000 | $561,000 | $462,000 | $424,000 | $452,000 |
| $150,000 | $680,000 | $561,000 | $514,000 | $548,000 |
| $200,000 | $919,000 | $758,000 | $694,000 | $740,000 |
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 Skamania County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Washougal | $637,680 | +1.1% | $141,000 | Details |
| Carson | $457,370 | -1.4% | $103,000 | Details |
| North Bonneville | $478,252 | +1.1% | $108,000 | Details |
| Bingen | $440,300 | -0.4% | $100,000 | Details |
| Underwood | $788,047 | -0.6% | $173,000 | Details |
| Stevenson | $546,026 | -0.3% | $122,000 | Details |
The cheapest places in the county are Bingen ($440K), Carson ($457K), North Bonneville ($478K).
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 Skamania County that difference is worth roughly $166K 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 $47K more house than a credit-union 100% loan here.