Local costs · Washington
What a home costs across Washington
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Washington, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,151 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- WA state REET: graduated by price (tiered) — seller customarily paysLocal REET (typical combined): 0.50% of price — seller customarily paysOn the $602,200 state median home, the buyer’s customary share is about $0; the seller customarily covers about $9,774.
- Title insurance
- Washington uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Washington levies no state income tax. These are modeled effective rates from Tax Foundation 2026 brackets.
All 39 counties in Washington
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Adams County | 0.79% | $1,310–$2,930typical $2,020 |
| Asotin County | 0.72% | $1,810–$4,030typical $2,780 |
| Benton County | 0.78% | $1,500–$3,340typical $2,300 |
| Chelan County | 0.71% | $1,930–$4,310typical $2,970 |
| Clallam County | 0.72% | $560–$1,250typical $860 |
| Clark County | 0.82% | $560–$1,250typical $860 |
| Columbia County | 0.85% | $1,590–$3,540typical $2,440 |
| Cowlitz County | 0.82% | $560–$1,250typical $860 |
| Douglas County | 0.77% | $1,930–$4,310typical $2,970 |
| Ferry County | 0.64% | $1,930–$4,310typical $2,970 |
| Franklin County | 0.73% | $790–$1,770typical $1,220 |
| Garfield County | 0.66% | $1,930–$4,310typical $2,970 |
| Grant County | 0.78% | $1,420–$3,180typical $2,190 |
| Grays Harbor County | 0.80% | $560–$1,250typical $860 |
| Island County | 0.67% | $560–$1,250typical $860 |
| Jefferson County | 0.71% | $560–$1,250typical $860 |
| King County | 0.83% | $560–$1,250typical $860 |
| Kitsap County | 0.77% | $560–$1,250typical $860 |
| Kittitas County | 0.71% | $1,930–$4,310typical $2,970 |
| Klickitat County | 0.62% | $1,930–$4,310typical $2,970 |
| Lewis County | 0.67% | $590–$1,310typical $900 |
| Lincoln County | 0.60% | $1,930–$4,310typical $2,970 |
| Mason County | 0.73% | $560–$1,250typical $860 |
| Okanogan County | 0.76% | $1,930–$4,310typical $2,970 |
| Pacific County | 0.71% | $560–$1,250typical $860 |
| Pend Oreille County | 0.58% | $1,090–$2,440typical $1,680 |
| Pierce County | 0.91% | $560–$1,250typical $860 |
| San Juan County | 0.53% | $560–$1,250typical $860 |
| Skagit County | 0.79% | $560–$1,250typical $860 |
| Skamania County | 0.67% | $1,930–$4,310typical $2,970 |
| Snohomish County | 0.77% | $560–$1,250typical $860 |
| Spokane County | 0.84% | $1,010–$2,250typical $1,550 |
| Stevens County | 0.59% | $1,930–$4,310typical $2,970 |
| Thurston County | 0.88% | $560–$1,250typical $860 |
| Wahkiakum County | 0.60% | $560–$1,250typical $860 |
| Walla Walla County | 0.85% | $850–$1,900typical $1,310 |
| Whatcom County | 0.70% | $560–$1,250typical $860 |
| Whitman County | 0.75% | $560–$1,250typical $860 |
| Yakima County | 0.79% | $1,930–$4,310typical $2,970 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.