Can You Afford a Home in Garfield, WA?
A typical home in Garfield is worth $278,125, down 5.5% over the past year. That is $60K below the Whitman County typical of $337,711.
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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 Garfield costs $278,125. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Whitman County
Prices below are what keeps housing at 33% of gross income, using Whitman County’s 0.79% 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 | $333,000 | $275,000 | $252,000 | $269,000 |
| $100,000 | $451,000 | $373,000 | $342,000 | $364,000 |
| $125,000 | $569,000 | $470,000 | $431,000 | $460,000 |
| $150,000 | $687,000 | $568,000 | $521,000 | $555,000 |
| $200,000 | $924,000 | $763,000 | $699,000 | $746,000 |
How Garfield compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Tekoa | $247,750 | -3.5% | $57,000 |
| Rosalia | $259,023 | +4.5% | $59,000 |
| Garfield (this page) | $278,125 | -5.5% | $63,000 |
| La Crosse | $290,009 | -4% | $66,000 |
| Oakesdale | $294,176 | +8.9% | $67,000 |
| Saint John | $299,319 | +8.6% | $68,000 |
| Farmington | $304,521 | 0% | $69,000 |
If Garfield is out of reach, Tekoa, Rosalia 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 Garfield sell for less than $278,125, 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.