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Mortgage Calculator &
Closing Costs: Yakima, WA

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

Median Home Price
$295K
Population
97K
Avg Monthly Rent
$1,150
Property Tax Rate
0.98%
Yakima vs Washington Median
The median home price in Yakima is $295,000, which is 49% below the Washington state median of $580,000.

Mortgage Calculator — Yakima, WA

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

$
$59,000
%
%
years
WA avg
%
$
Monthly Payment (PITI)
$1,866
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,492
per month
Taxes & Insurance
$374
per month
Total Interest Paid
$301K
over 30 years
Total Loan Cost
$537K
all payments
Payment Breakdown
Loan Amount$236,000
Principal & Interest$1,492
Property Taxes$241
Homeowners Insurance$133
Total Monthly PITI$1,866

Closing Costs — Yakima, WA

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

$
%
Washington: Avg closing costs 1.4% of price. Transfer tax: 1.78%.
Estimated Closing Costs
$14,746
5.0% of purchase price
Lender Fees
$2,549
origination, underwriting
Third-Party
$2,925
appraisal, title, inspection
Government Fees
$5,251
transfer taxes, recording
Prepaids + Escrow
$4,021
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,124
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,775
Recording Fee$150
Transfer Tax$5,251
Prepaid Taxes (3 mo)$723
Prepaid Insurance (12 mo)$1,600
Prepaid Interest (15 days)$709
Escrow Reserves$989
Total Closing Costs$14,746

Buying a Home in Yakima, Washington

The median home price in Yakima is $295,000, 49% below the Washington state median of $580,000. With a population of 96,968, Yakima 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 $295,000 home in Yakima would carry roughly $241/month in property taxes. Homeowners insurance in Washington runs approximately $1,600 per year. This is within the normal range nationally.

Average rent in Yakima is $1,150/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.

Yakima presents moderate affordability. The $295K 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 Yakima.
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