Clark County, Washington: What It Costs to Buy a Home
The median home in Clark County is worth $487,900, property taxes on it run about $4,080 a year (0.84%), the FHA loan limit is $701,500, and closing on it means about $7,807 in transfer tax plus $1,384 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $487,900 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $4,080 a year, 0.84% of value | Property tax page → |
| FHA loan limit (1 unit) | $701,500 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $7,807 (incl. Clark County local REET) | Washington transfer tax page → |
| Title insurance on the median home | $839 owner's + $545 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $623 | Recording fees page → |
| Closing costs from these items | $9,814 | Closing costs page → |
| Area median income (HUD, family of 4) | $128,300; low-income limit $102,650 | Income limits page → |
Frequently asked questions
How much do homes cost in Clark County?
The median owner-occupied home in Clark County is valued at $487,900, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Clark County?
The median Clark County homeowner pays $4,080 a year in real estate taxes, about 0.84% of the median home value ($4,036 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Clark County?
$701,500 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Clark County?
On the $487,900 median home: transfer tax $7,807, title insurance $1,384 for both policies, recording fees about $623, about $9,814 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Clark County?
HUD's FY 2026 median family income for Clark County (Portland-Vancouver-Hillsboro, OR-WA MSA) is $128,300. A family of four counts as low income below $102,650 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Washington counties
- Benton County $369,400
- Chelan County $454,900
- Clallam County $385,600
- Columbia County $256,100
- Cowlitz County $367,400
- Douglas County $402,900
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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