Rent vs. Buy in Pacific County, WA

Should you rent or buy in Pacific County? Here are the numbers.

Median Home Price

$252,100

Median Rent

$955/mo

Price-to-Rent Ratio

22x

Homeownership Rate

82.1%

Monthly Cost Comparison

Buying (20% down, 6.5% rate)

Mortgage (P&I)$1,275
Property Tax$183
Insurance$84

Total Monthly$1,542

Renting

Monthly Rent$955
Renter's Insurance$25

Total Monthly$980

In Pacific County, buying costs approximately $587/mo more than renting. This doesn't account for equity buildup, tax deductions, or home appreciation.

About Pacific County, Washington

Pacific County in Washington has a median household income of $58,889 and an effective property tax rate of 0.9%. With a price-to-rent ratio of 22x, renting may be more cost-effective in the short term.

These are starting estimates based on county-level medians. Your actual costs depend on the specific property, your credit score, down payment, and dozens of other variables. Our Monte Carlo simulation models 10,000 scenarios to give you probability-weighted answers, not single-point estimates.

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Other Counties in Washington

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Bureau of Labor Statistics, Federal Housing Finance Agency. Estimates are based on county-level medians and may not reflect specific neighborhoods or property types. This is not financial advice — consult a licensed professional before making housing decisions.