Easiest ZIP codes to buy in Washington
Top 25 easiest ZIP codes to buy into in Washington by price-to-income ratio. #1 is 98952 (White Swan) at about 1.9x. Compare buy-in affordability on US5.
These ZIP codes have the lowest median home price-to-income ratios in Washington — a practical “buy-in difficulty” signal that combines local home values with local earnings.
Lowest ratios on this board: 98952 (White Swan) at about 1.9x; 99032 (Sprague) at about 2.1x; 99330 (Mesa) at about 2.2x.
Open a ZIP page for an illustrative “estimated income to buy” figure based on a transparent mortgage model (down payment, rate, taxes, and insurance assumptions).
Open any ZIP for a full demographics, income, and housing profile, or return to the Washington state page for the complete ZIP table.
Ranked ZIP codes
| # | ZIP | City | County | Price-to-income | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 98952 | White Swan | Yakima County | 1.9x | 1,735 | $56,957 | $111,000 |
| 2 | 99032 | Sprague | Lincoln County | 2.1x | 1,022 | $66,339 | $141,400 |
| 3 | 99330 | Mesa | Franklin County | 2.2x | 1,104 | $135,648 | $292,100 |
| 4 | 98357 | Neah Bay | Clallam County | 2.7x | 1,528 | $60,227 | $160,800 |
| 5 | 99348 | Prescott | Walla Walla County | 2.7x | 1,733 | $76,431 | $204,300 |
| 6 | 99170 | Rosalia | Whitman County | 2.9x | 1,015 | $75,208 | $216,100 |
| 7 | 98935 | Grandview | Yakima County | 3.1x | 4,481 | $63,775 | $196,100 |
| 8 | 98813 | Bridgeport | Douglas County | 3.1x | 3,233 | $52,500 | $165,000 |
| 9 | 98858 | Waterville | Douglas County | 3.1x | 1,851 | $76,667 | $241,100 |
| 10 | 99161 | Palouse | Whitman County | 3.1x | 1,478 | $90,750 | $285,800 |
| 11 | 99361 | Waitsburg | Walla Walla County | 3.2x | 1,800 | $91,742 | $290,500 |
| 12 | 99169 | Ritzville | Adams County | 3.2x | 2,637 | $66,161 | $210,700 |
| 13 | 99159 | Odessa | Lincoln County | 3.2x | 1,177 | $63,364 | $202,100 |
| 14 | 98933 | Harrah | Yakima County | 3.2x | 1,276 | $70,000 | $225,400 |
| 15 | 98948 | Toppenish | Yakima County | 3.2x | 12,960 | $67,217 | $217,800 |
| 16 | 99116 | Coulee Dam | Okanogan County | 3.3x | 1,649 | $64,550 | $212,800 |
| 17 | 98577 | Raymond | Pacific County | 3.3x | 7,458 | $70,061 | $231,000 |
| 18 | 98823 | Ephrata | Grant County | 3.3x | 12,661 | $77,361 | $256,400 |
| 19 | 98932 | Granger | Yakima County | 3.4x | 5,742 | $68,726 | $230,300 |
| 20 | 98857 | Warden | Grant County | 3.4x | 3,935 | $57,743 | $194,400 |
| 21 | 99343 | Basin City | Franklin County | 3.4x | 3,236 | $72,400 | $244,500 |
| 22 | 99353 | West Richland | Benton County | 3.4x | 18,702 | $120,396 | $407,600 |
| 23 | 98951 | Wapato | Yakima County | 3.4x | 12,935 | $63,083 | $214,000 |
| 24 | 98936 | Moxee | Yakima County | 3.4x | 8,898 | $95,625 | $325,400 |
| 25 | 99031 | Spangle | Spokane County | 3.5x | 1,434 | $95,089 | $330,100 |
Frequently asked questions
Which ZIP codes in Washington are easiest to buy into?
By median home price-to-income ratio, 98952 (White Swan) ranks near the top at about 1.9x. Lower ratios generally mean local incomes go further against local home prices.
How does US5 rank ZIP codes in Washington?
We rank indexable ZIP codes with both income and home-value data by lowest median home price-to-income ratio (with a population floor).
Where can I explore all ZIP codes in Washington?
Visit the Washington state page for the full ZIP table, demographics summary, and sortable income/housing columns.