The typical owner-occupied home in Grays Harbor County is worth about $314,000, 44% below the Washington median of $564,600 and 6% below the national median of $332,700. Owners pay a median $2,512 a year in property taxes, about 0.80% of their home's value, close to the Washington rate of 0.81%. The median household earns $64,414 a year, so the median home costs 4.9 times the median income (5.8 times for Washington). 73% of occupied homes here are lived in by their owners, and 54% of those owners still have a mortgage.
Grays Harbor County at a glance
| Grays Harbor County | Washington | U.S. | |
|---|---|---|---|
| Median home value | $314,000 | $564,600 | $332,700 |
| Median property tax paid per year | $2,512 | $4,556 | $3,119 |
| Property tax as a share of value | 0.80% | 0.81% | 0.94% |
| Median household income | $64,414 | $98,141 | $80,734 |
| Homes lived in by their owners | 73% | 64% | 65% |
| Owner homes with a mortgage | 54% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $1,663 | $2,445 | $1,963 |
| Those costs as a share of the owners' income | 23.6% | 22.2% | 21.0% |
| Median rent | $1,062 | $1,760 | $1,413 |
| Rent as a share of renters' income | 29.4% | 30.0% | 30.6% |
| Median year homes were built | 1974 | 1985 | 1980 |
| Vacant homes | 17.1% | 7.3% | 10.1% |
| Population | 77,053 | 7,816,116 | 334,922,499 |
What a typical home costs per month in Grays Harbor County
At this week's average 30-year rate of 7.11%, buying the median Grays Harbor County home of $314,000 with 20% down costs about $2,030 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,553, 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 $87,000 for the 20%-down payment. That payment is 38% of the median Grays Harbor County household income of $64,414; at that income and 20% down, the 28% guideline points to a home of about $232,000.
The median rent here is $1,062 a month, so owning the median home costs about $968 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $62,800 |
|---|---|
| Loan amount | $251,200 |
| Principal and interest | $1,690 |
| Property taxes (0.80% a year) | $209 |
| Homeowners insurance (our estimate, 0.5% a year) | $131 |
| PMI | $0 |
| Total per month | $2,030 |
Change the numbers in the calculator
| Down payment | $10,990 |
|---|---|
| Loan amount | $308,313 |
| Principal and interest | $2,074 |
| Property taxes (0.80% a year) | $209 |
| Homeowners insurance (our estimate, 0.5% a year) | $131 |
| FHA mortgage insurance | $139 |
| Total per month | $2,553 |
Change the numbers in the calculator
Questions about home buying in Grays Harbor County
What is the median home value in Grays Harbor County?
About $314,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Grays Harbor County?
Homeowners pay a median $2,512 a year, which is about 0.80% 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 Grays Harbor County?
For the median home with 20% down at 7.11%, the payment is about $2,030 a month. Keeping that under 28% of gross income takes about $87,000 a year.
More about Grays Harbor County
- Mortgage Refinance in Grays Harbor County
- Debt Relief in Grays Harbor County
- Home Equity Loans in Grays Harbor County
- 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