Can You Afford a Home in La Crosse, WA?
A typical home in La Crosse is worth $286,953, down 5% over the past year. That is $52K below the Whitman County typical of $339,135.
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in La Crosse costs $286,953. 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 0.75% 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 | $322,000 | $266,000 | $243,000 | $260,000 |
| $100,000 | $441,000 | $364,000 | $333,000 | $355,000 |
| $125,000 | $559,000 | $462,000 | $423,000 | $451,000 |
| $150,000 | $678,000 | $560,000 | $513,000 | $547,000 |
| $200,000 | $916,000 | $756,000 | $693,000 | $738,000 |
How La Crosse compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Rosalia | $270,391 | +4.4% | $64,000 |
| Garfield | $285,040 | -6.2% | $67,000 |
| La Crosse (this page) | $286,953 | -5% | $68,000 |
| Oakesdale | $289,547 | +8.6% | $68,000 |
| Farmington | $299,186 | -0.3% | $70,000 |
| Saint John | $300,899 | +6.2% | $71,000 |
| Colfax | $324,936 | +0.4% | $76,000 |
If La Crosse is out of reach, Rosalia, Garfield 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 La Crosse sell for less than $286,953, 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.