TrueAffordHome Affordability by State
What can you afford in Washington?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 down payment, and a 740-759 credit score — using Washington's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
Washington's effective property tax rate is around 0.75% of home value per year — the 22nd lowest in the country. Average homeowner's insurance runs near $1,428/year on a $300,000 home — the 12th lowest.
Comfortable
$260,712
Stretch
$324,779
Risky ceiling
$365,023
A lender would likely approve up to $365,023 on this baseline in Washington — but this household's own budget, once real expenses are counted, can only sustain $324,779. That $40,244 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
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