Home Affordability in Snohomish County, WA
A typical home in Snohomish County is worth $734,626, down 1.7% year over year. The effective property tax rate is 0.79% of value, and the 2026 conforming loan limit here is $1,063,750 — borrow more than that and you need a jumbo loan.
Open the calculator for Snohomish County Free, instant, no signup
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Snohomish County costs $734,626. 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 | $308,000 | $254,000 | $233,000 | $249,000 |
| $100,000 | $426,000 | $352,000 | $323,000 | $344,000 |
| $125,000 | $544,000 | $449,000 | $412,000 | $439,000 |
| $150,000 | $662,000 | $547,000 | $502,000 | $535,000 |
| $200,000 | $898,000 | $742,000 | $680,000 | $725,000 |
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 Snohomish County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Everett | $636,751 | -1.6% | $145,000 | Details |
| Bothell | $994,964 | -5.3% | $220,000 | Details |
| Lynnwood | $746,040 | -2.6% | $168,000 | Details |
| Marysville | $617,386 | +0.1% | $141,000 | Details |
| Snohomish | $911,318 | -1.2% | $203,000 | Details |
| Edmonds | $906,912 | -0.7% | $202,000 | Details |
| Lake Stevens | $689,234 | -1.6% | $156,000 | Details |
| Arlington | $654,572 | +0.7% | $148,000 | Details |
| Monroe | $709,256 | -0.5% | $160,000 | Details |
| Mill Creek | $933,410 | -3.6% | $207,000 | Details |
| Stanwood | $701,358 | +0.5% | $158,000 | Details |
| Mountlake Terrace | $665,279 | -1.9% | $151,000 | Details |
| Mukilteo | $895,454 | -1.8% | $199,000 | Details |
| Granite Falls | $579,182 | +1.6% | $132,000 | Details |
| Sultan | $556,344 | +0.4% | $128,000 | Details |
| Brier | $948,234 | -2.6% | $211,000 | Details |
| Gold Bar | $466,774 | -0.2% | $109,000 | Details |
| Woodway | $2,336,445 | +1.8% | $504,000 | Details |
| Darrington | $424,422 | -0.5% | $100,000 | Details |
| Index | $485,026 | +2.9% | $112,000 | Details |
The cheapest places in the county are Darrington ($424K), Gold Bar ($467K), Index ($485K).
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 Snohomish County that difference is worth roughly $161K 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 $45K more house than a credit-union 100% loan here.