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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

West Richland, WA Housing Affordability Index

West Richland, Washington has an MBR Housing Affordability Index score of 108.0 (Near National Average) as of October 30, 2026, ranking 87th most affordable of 347 scored Washington cities, compared with 82.2 statewide and 97.4 nationally. On a median-priced $448,300 home with 20% down, the Washington average 30-year fixed rate of 7.32% means a monthly principal and interest payment of about $2,463, or 25% of the city’s $119,892 median household income.

The MBR Housing Affordability Index (MBR-HAI) for West Richland 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.

West Richland MBR-HAI 108.0 Near National Average
Rank in Washington 87 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 $448,300 U.S. Census Bureau

West Richland is 25.8 points above the Washington score. Scores as of October 30, 2026. See the Washington index

View West Richland Mortgage Rates

What It Takes to Buy in West Richland

$2,463/mo
Principal & Interest
Median home, 20% down, 7.32%
$105,600
Income Needed
To keep the payment at 28% of income
$119,892
Median Household Income
Washington: $98,141
3.7x
Price-to-Income Ratio
Washington: 5.8x
$1,681/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,208/yr
Median Property Tax
0.94% of median value
15.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
43.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How West Richland Ranks in Washington

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Cite the West Richland Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. West Richland, Washington score: 108.0 (Near National Average), ranked 87 of 347 Washington cities. monitorbankrates.com/housing-affordability-index/washington/west-richland”