The typical owner-occupied home in Wilson Creek is worth about $162,500, 71% below the Washington median of $564,600 and 51% below the national median of $332,700. Owners pay a median $900 a year in property taxes, about 0.55% of their home's value, lower than the Washington rate of 0.81%. The median household earns $63,750 a year, so the median home costs 2.5 times the median income (5.8 times for Washington). 71% of occupied homes here are lived in by their owners, and 37% of those owners still have a mortgage.
Wilson Creek at a glance
| Wilson Creek | Washington | U.S. | |
|---|---|---|---|
| Median home value | $162,500 | $564,600 | $332,700 |
| Median property tax paid per year | $900 | $4,556 | $3,119 |
| Property tax as a share of value | 0.55% | 0.81% | 0.94% |
| Median household income | $63,750 | $98,141 | $80,734 |
| Homes lived in by their owners | 71% | 64% | 65% |
| Owner homes with a mortgage | 37% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $913 | $2,445 | $1,963 |
| Those costs as a share of the owners' income | 16.9% | 22.2% | 21.0% |
| Median rent | $786 | $1,760 | $1,413 |
| Rent as a share of renters' income | 12.5% | 30.0% | 30.6% |
| Median year homes were built | 1950 | 1985 | 1980 |
| Vacant homes | 5.9% | 7.3% | 10.1% |
| Population | 206 | 7,816,116 | 334,922,499 |
What a typical home costs per month in Wilson Creek
At this week's average 30-year rate of 7.11%, buying the median Wilson Creek home of $162,500 with 20% down costs about $1,017 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,287, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $43,573 for the 20%-down payment. That payment is 19% of the median Wilson Creek household income of $63,750; at that income and 20% down, the 28% guideline points to a home of about $238,000.
The median rent here is $786 a month, so owning the median home costs about $231 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $32,500 |
|---|---|
| Loan amount | $130,000 |
| Principal and interest | $875 |
| Property taxes (0.55% a year) | $74 |
| Homeowners insurance (our estimate, 0.5% a year) | $68 |
| PMI | $0 |
| Total per month | $1,017 |
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| Down payment | $5,688 |
|---|---|
| Loan amount | $159,557 |
| Principal and interest | $1,073 |
| Property taxes (0.55% a year) | $74 |
| Homeowners insurance (our estimate, 0.5% a year) | $68 |
| FHA mortgage insurance | $72 |
| Total per month | $1,287 |
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Questions about home buying in Wilson Creek
What is the median home value in Wilson Creek?
About $162,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Wilson Creek?
Homeowners pay a median $900 a year, which is about 0.55% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Wilson Creek?
For the median home with 20% down at 7.11%, the payment is about $1,017 a month. Keeping that under 28% of gross income takes about $43,573 a year.
More about Wilson Creek
- Mortgage Refinance in Wilson Creek
- Debt Relief in Wilson Creek
- Home Equity Loans in Wilson Creek
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data