The typical owner-occupied home in Ashford is worth about $357,700, 37% below the Washington median of $564,600 and 8% above the national median of $332,700. The median household earns $113,686 a year, so the median home costs 3.1 times the median income (5.8 times for Washington). 100% of occupied homes here are lived in by their owners, and 100% of those owners still have a mortgage.
Ashford at a glance
| Ashford | Washington | U.S. | |
|---|---|---|---|
| Median home value | $357,700 | $564,600 | $332,700 |
| Median property tax paid per year | – | $4,556 | $3,119 |
| Median household income | $113,686 | $98,141 | $80,734 |
| Homes lived in by their owners | 100% | 64% | 65% |
| Owner homes with a mortgage | 100% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $1,171 | $2,445 | $1,963 |
| Those costs as a share of the owners' income | 17.0% | 22.2% | 21.0% |
| Median rent | – | $1,760 | $1,413 |
| Median year homes were built | 1976 | 1985 | 1980 |
| Vacant homes | 0.0% | 7.3% | 10.1% |
| Population | 319 | 7,816,116 | 334,922,499 |
What a typical home costs per month in Ashford
At this week's average 30-year rate of 7.11%, buying the median Ashford home of $357,700 with 20% down costs about $2,402 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,998, 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 $102,941 for the 20%-down payment. That payment is 25% of the median Ashford household income of $113,686; at that income and 20% down, the 28% guideline points to a home of about $395,000.
| Down payment | $71,540 |
|---|---|
| Loan amount | $286,160 |
| Principal and interest | $1,925 |
| Property taxes (1.10% a year) | $328 |
| Homeowners insurance (our estimate, 0.5% a year) | $149 |
| PMI | $0 |
| Total per month | $2,402 |
Change the numbers in the calculator
| Down payment | $12,520 |
|---|---|
| Loan amount | $351,221 |
| Principal and interest | $2,363 |
| Property taxes (1.10% a year) | $328 |
| Homeowners insurance (our estimate, 0.5% a year) | $149 |
| FHA mortgage insurance | $158 |
| Total per month | $2,998 |
Change the numbers in the calculator
Questions about home buying in Ashford
What is the median home value in Ashford?
About $357,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Ashford?
For the median home with 20% down at 7.11%, the payment is about $2,402 a month. Keeping that under 28% of gross income takes about $102,941 a year.
More about Ashford
- Mortgage Refinance in Ashford
- Debt Relief in Ashford
- Home Equity Loans in Ashford
- 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