Home Affordability in Yakima County, WA
A typical home in Yakima County is worth $351,947, up 0.9% year over year. The effective property tax rate is 0.82% 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 Yakima County costs $351,947. 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 | $331,000 | $273,000 | $251,000 | $267,000 |
| $100,000 | $448,000 | $370,000 | $340,000 | $362,000 |
| $125,000 | $566,000 | $468,000 | $429,000 | $457,000 |
| $150,000 | $684,000 | $565,000 | $518,000 | $552,000 |
| $200,000 | $919,000 | $759,000 | $696,000 | $742,000 |
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 Yakima County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Yakima | $361,999 | +0.8% | $82,000 | Details |
| Selah | $438,155 | +0.6% | $98,000 | Details |
| Grandview | $336,233 | +0.4% | $76,000 | Details |
| Wapato | $285,400 | -0.8% | $65,000 | Details |
| Toppenish | $276,511 | -1.1% | $63,000 | Details |
| Zillah | $378,703 | +0.5% | $85,000 | Details |
| Union Gap | $259,708 | +0.3% | $60,000 | Details |
| Moxee | $403,112 | +1.4% | $90,000 | Details |
| Naches | $321,359 | +2% | $73,000 | Details |
| Mabton | $277,678 | -1.7% | $64,000 | Details |
| Granger | $308,136 | +2.1% | $70,000 | Details |
| Cowiche | $345,980 | +3.3% | $78,000 | Details |
| Outlook | $362,542 | +2.4% | $82,000 | Details |
| White Swan | $319,933 | +6.2% | $73,000 | Details |
| Tieton | $340,224 | -0.3% | $77,000 | Details |
| Harrah | $315,756 | +2.8% | $72,000 | Details |
The cheapest places in the county are Union Gap ($260K), Toppenish ($277K), Mabton ($278K).
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 Yakima County that difference is worth roughly $165K 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.