MonitorBankRates
☰
New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Nespelem, WA Housing Affordability Index

Nespelem, Washington has an MBR Housing Affordability Index score of 190.6 (Highly Affordable) as of October 30, 2026, ranking 5th most affordable of 347 scored Washington cities, compared with 82.2 statewide and 97.4 nationally. On a median-priced $120,000 home with 20% down, the Washington average 30-year fixed rate of 7.32% means a monthly principal and interest payment of about $659, or 12% of the city’s $67,500 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Nespelem is updated every night from live Washington mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Nespelem MBR-HAI 190.6 Highly Affordable
Rank in Washington 5 of 347 1 = most affordable
Washington 82.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.32% Washington lenders
Median home value $120,000 U.S. Census Bureau

Nespelem is 108.4 points above the Washington score. Scores as of October 30, 2026. See the Washington index

View Nespelem Mortgage Rates

What It Takes to Buy in Nespelem

$659/mo
Principal & Interest
Median home, 20% down, 7.32%
$28,300
Income Needed
To keep the payment at 28% of income
$67,500
Median Household Income
Washington: $98,141
1.8x
Price-to-Income Ratio
Washington: 5.8x
$464/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,063/yr
Median Property Tax
0.89% of median value
25.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
48.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Nespelem, Washington. The rate is the Washington average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Nespelem Ranks in Washington

Powered byMonitorBankRates

Cite the Nespelem Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Nespelem, Washington score: 190.6 (Highly Affordable), ranked 5 of 347 Washington cities. monitorbankrates.com/housing-affordability-index/washington/nespelem”