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Mortgage Calculator &
Closing Costs: Kennewick, WA

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Kennewick, Washington.

Median Home Price
$385K
Population
84K
Avg Monthly Rent
$1,380
Property Tax Rate
0.98%
Kennewick vs Washington Median
The median home price in Kennewick is $385,000, which is 34% below the Washington state median of $580,000.

Mortgage Calculator — Kennewick, WA

Pre-filled with Kennewick median home price and Washington tax/insurance rates. Adjust for your property.

$
$77,000
%
%
years
WA avg
%
$
Monthly Payment (PITI)
$2,394
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,947
per month
Taxes & Insurance
$447
per month
Total Interest Paid
$393K
over 30 years
Total Loan Cost
$701K
all payments
Payment Breakdown
Loan Amount$308,000
Principal & Interest$1,947
Property Taxes$314
Homeowners Insurance$133
Total Monthly PITI$2,394

Closing Costs — Kennewick, WA

Estimated closing costs based on Washington rates and fees applied to Kennewick prices.

$
%
Washington: Avg closing costs 1.4% of price. Transfer tax: 1.78%.
Estimated Closing Costs
$18,104
4.7% of purchase price
Lender Fees
$3,197
origination, underwriting
Third-Party
$3,375
appraisal, title, inspection
Government Fees
$6,853
transfer taxes, recording
Prepaids + Escrow
$4,679
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,772
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,225
Recording Fee$150
Transfer Tax$6,853
Prepaid Taxes (3 mo)$943
Prepaid Insurance (12 mo)$1,600
Prepaid Interest (15 days)$926
Escrow Reserves$1,210
Total Closing Costs$18,104

Buying a Home in Kennewick, Washington

The median home price in Kennewick is $385,000, 34% below the Washington state median of $580,000. With a population of 84,347, Kennewick is a smaller market where home prices tend to be more accessible than in many parts of Washington.

Property taxes in Washington average 0.98% annually. This moderate property tax rate means a $385,000 home in Kennewick would carry roughly $314/month in property taxes. Homeowners insurance in Washington runs approximately $1,600 per year. This is within the normal range nationally.

Average rent in Kennewick is $1,380/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Kennewick presents moderate affordability. The $385K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Kennewick.
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