Can You Afford a Home in Union Gap, WA?
A typical home in Union Gap is worth $259,708, up 0.3% over the past year. That is $92K below the Yakima County typical of $351,947.
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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 Union Gap costs $259,708. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Yakima County
Prices below are what keeps housing at 33% of gross income, using Yakima County’s 0.82% 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 | $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 |
How Union Gap compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Union Gap (this page) | $259,708 | +0.3% | $60,000 |
| Toppenish | $276,511 | -1.1% | $63,000 |
| Mabton | $277,678 | -1.7% | $64,000 |
| Wapato | $285,400 | -0.8% | $65,000 |
| Granger | $308,136 | +2.1% | $70,000 |
| Harrah | $315,756 | +2.8% | $72,000 |
| White Swan | $319,933 | +6.2% | $73,000 |
What this does not tell you
These are typical values, not listings. Half the homes in Union Gap sell for less than $259,708, 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.