The typical owner-occupied home in White Swan is worth about $109,100, 81% below the Washington median of $564,600 and 67% below the national median of $332,700. Owners pay a median $3,278 a year in property taxes, about 3.00% of their home's value, higher than the Washington rate of 0.81%. The median household earns $60,234 a year, so the median home costs 1.8 times the median income (5.8 times for Washington). 56% of occupied homes here are lived in by their owners, and 12% of those owners still have a mortgage.
White Swan at a glance
| White Swan | Washington | U.S. | |
|---|---|---|---|
| Median home value | $109,100 | $564,600 | $332,700 |
| Median property tax paid per year | $3,278 | $4,556 | $3,119 |
| Property tax as a share of value | 3.00% | 0.81% | 0.94% |
| Median household income | $60,234 | $98,141 | $80,734 |
| Homes lived in by their owners | 56% | 64% | 65% |
| Owner homes with a mortgage | 12% | 66% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,445 | $1,963 |
| Median rent | $475 | $1,760 | $1,413 |
| Rent as a share of renters' income | 14.4% | 30.0% | 30.6% |
| Median year homes were built | 1972 | 1985 | 1980 |
| Vacant homes | 15.5% | 7.3% | 10.1% |
| Population | 588 | 7,816,116 | 334,922,499 |
What a typical home costs per month in White Swan
At this week's average 30-year rate of 7.11%, buying the median White Swan home of $109,100 with 20% down costs about $905 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,087, 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 $38,801 for the 20%-down payment. That payment is 18% of the median White Swan household income of $60,234; at that income and 20% down, the 28% guideline points to a home of about $169,000.
The median rent here is $475 a month, so owning the median home costs about $430 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $21,820 |
|---|---|
| Loan amount | $87,280 |
| Principal and interest | $587 |
| Property taxes (3.00% a year) | $273 |
| Homeowners insurance (our estimate, 0.5% a year) | $45 |
| PMI | $0 |
| Total per month | $905 |
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| Down payment | $3,818 |
|---|---|
| Loan amount | $107,124 |
| Principal and interest | $721 |
| Property taxes (3.00% a year) | $273 |
| Homeowners insurance (our estimate, 0.5% a year) | $45 |
| FHA mortgage insurance | $48 |
| Total per month | $1,087 |
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Questions about home buying in White Swan
What is the median home value in White Swan?
About $109,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in White Swan?
Homeowners pay a median $3,278 a year, which is about 3.00% 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 White Swan?
For the median home with 20% down at 7.11%, the payment is about $905 a month. Keeping that under 28% of gross income takes about $38,801 a year.
More about White Swan
- Mortgage Refinance in White Swan
- Debt Relief in White Swan
- Home Equity Loans in White Swan
- 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