Home Affordability in Wahkiakum County, WA
A typical home in Wahkiakum County is worth $399,739, up 2.4% year over year. The effective property tax rate is 0.6% 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 Wahkiakum County costs $399,739. 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 | $338,000 | $278,000 | $254,000 | $272,000 |
| $100,000 | $460,000 | $378,000 | $346,000 | $369,000 |
| $125,000 | $581,000 | $478,000 | $437,000 | $467,000 |
| $150,000 | $703,000 | $577,000 | $528,000 | $564,000 |
| $200,000 | $945,000 | $777,000 | $711,000 | $759,000 |
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 Wahkiakum County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Cathlamet | $420,989 | +1% | $92,000 | Details |
| Skamokawa | $347,209 | +6.5% | $77,000 | Details |
The cheapest places in the county are Skamokawa ($347K), Cathlamet ($421K).
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 Wahkiakum County that difference is worth roughly $174K 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 $49K more house than a credit-union 100% loan here.