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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Washington residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Washington, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Graham, Washington
- Payment to income ratio: 38.5%
- Median sale price: $580,640
- Median household income: $115,501
- Income needed to buy: $148,274
- Median monthly mortgage payment: $3,707
- See homes for sale in Graham on

#2. Richland, Washington
- Payment to income ratio: 38.9%
- Median sale price: $469,946
- Median household income: $92,550
- Income needed to buy: $120,007
- Median monthly mortgage payment: $3,000
- See homes for sale in Richland on

#3. Spanaway, Washington
- Payment to income ratio: 40.2%
- Median sale price: $492,881
- Median household income: $94,028
- Income needed to buy: $125,864
- Median monthly mortgage payment: $3,147
- See homes for sale in Spanaway on

#4. Maple Valley, Washington
- Payment to income ratio: 40.3%
- Median sale price: $775,955
- Median household income: $147,546
- Income needed to buy: $198,150
- Median monthly mortgage payment: $4,954
- See homes for sale in Maple Valley on

#5. Pasco, Washington
- Payment to income ratio: 40.4%
- Median sale price: $427,980
- Median household income: $81,130
- Income needed to buy: $109,290
- Median monthly mortgage payment: $2,732
- See homes for sale in Pasco on

#6. Orchards, Washington
- Payment to income ratio: 42.0%
- Median sale price: $531,354
- Median household income: $96,893
- Income needed to buy: $135,688
- Median monthly mortgage payment: $3,392
- See homes for sale in Orchards on

#7. South Hill, Washington
- Payment to income ratio: 43.3%
- Median sale price: $616,752
- Median household income: $109,235
- Income needed to buy: $157,495
- Median monthly mortgage payment: $3,937
- See homes for sale in South Hill on

#8. Lacey, Washington
- Payment to income ratio: 44.9%
- Median sale price: $511,158
- Median household income: $87,277
- Income needed to buy: $130,531
- Median monthly mortgage payment: $3,263
- See homes for sale in Lacey on

#9. Tacoma, Washington
- Payment to income ratio: 45.0%
- Median sale price: $492,132
- Median household income: $83,857
- Income needed to buy: $125,672
- Median monthly mortgage payment: $3,142
- See homes for sale in Tacoma on

#10. Kennewick, Washington
- Payment to income ratio: 45.2%
- Median sale price: $430,147
- Median household income: $72,867
- Income needed to buy: $109,844
- Median monthly mortgage payment: $2,746
- See homes for sale in Kennewick on

#11. Lake Stevens, Washington
- Payment to income ratio: 46.4%
- Median sale price: $715,680
- Median household income: $118,290
- Income needed to buy: $182,758
- Median monthly mortgage payment: $4,569
- See homes for sale in Lake Stevens on

#12. Camas, Washington
- Payment to income ratio: 46.7%
- Median sale price: $853,223
- Median household income: $140,053
- Income needed to buy: $217,881
- Median monthly mortgage payment: $5,447
- See homes for sale in Camas on

#13. Mill Creek East, Washington
- Payment to income ratio: 46.9%
- Median sale price: $1,122,640
- Median household income: $183,466
- Income needed to buy: $286,681
- Median monthly mortgage payment: $7,167
- See homes for sale in Mill Creek East on

#14. Puyallup, Washington
- Payment to income ratio: 47.2%
- Median sale price: $589,508
- Median household income: $95,639
- Income needed to buy: $150,538
- Median monthly mortgage payment: $3,763
- See homes for sale in Puyallup on

#15. Bremerton, Washington
- Payment to income ratio: 48.9%
- Median sale price: $475,112
- Median household income: $74,399
- Income needed to buy: $121,326
- Median monthly mortgage payment: $3,033
- See homes for sale in Bremerton on

#16. Vancouver, Washington
- Payment to income ratio: 49.3%
- Median sale price: $502,762
- Median household income: $78,156
- Income needed to buy: $128,387
- Median monthly mortgage payment: $3,210
- See homes for sale in Vancouver on

#17. Marysville, Washington
- Payment to income ratio: 50.1%
- Median sale price: $656,392
- Median household income: $100,362
- Income needed to buy: $167,618
- Median monthly mortgage payment: $4,190
- See homes for sale in Marysville on

#18. Auburn, Washington
- Payment to income ratio: 51.6%
- Median sale price: $642,803
- Median household income: $95,367
- Income needed to buy: $164,148
- Median monthly mortgage payment: $4,104
- See homes for sale in Auburn on

#19. Parkland, Washington
- Payment to income ratio: 51.9%
- Median sale price: $486,903
- Median household income: $71,829
- Income needed to buy: $124,337
- Median monthly mortgage payment: $3,108
- See homes for sale in Parkland on

#20. Olympia, Washington
- Payment to income ratio: 53.9%
- Median sale price: $541,345
- Median household income: $76,930
- Income needed to buy: $138,239
- Median monthly mortgage payment: $3,456
- See homes for sale in Olympia on