City · 15,130 residents · Franklin County, Missouri
Washington, Missouri
In Washington, a typical home is worth $231,800 and typical rent is $827 a month. Compared with all of Franklin County, typical household income is 8% higher and typical rent is 7% lower.
Typical home value from Zillow, September 2021 to September 2026: from $240,476 to $303,175.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Washington is in Franklin County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Franklin County. See the county
What homes there are in Washington, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Washington
Franklin County
Missouri
United States
Kind of home: Washington and its comparisons
Measure
Washington
Franklin County
Missouri
United States
Detached house
73%
76%
71%
61%
Attached house
8%
3%
4%
6%
Building of 2 to 4
9%
6%
8%
8%
Apartments (5 or more)
Unreliable estimate
6%
13%
19%
Mobile home
Unreliable estimate
9%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Washington: 73% of homes, near the figure in Franklin County (76%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Washington
Franklin County
Missouri
United States
Year built: Washington and its comparisons
Measure
Washington
Franklin County
Missouri
United States
Before 1960
31%
21%
27%
26%
1960–1979
23%
23%
25%
24%
1980–1999
21%
29%
25%
25%
2000–2009
16%
16%
13%
14%
2010 or later
10%
11%
10%
11%
Homes in Washington are older: the typical year built is 1978; in Franklin County, 1984.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K32%
$200K–$300K34%
$300K–$500K21%
$500K–$750K6%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Washington and its comparisons
Measure
Washington
Under $100K
Unreliable estimate
$100K–$200K
32%
$200K–$300K
34%
$300K–$500K
21%
$500K–$750K
6%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99960%
$1,000–$1,49929%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Washington and its comparisons
Measure
Washington
Under $500
Unreliable estimate
$500–$999
60%
$1,000–$1,499
29%
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,442 a month
Franklin County: $1,442 a month
Without a mortgage
$529 a month
Franklin County: $505 a month
Owners with a mortgage
68%
Franklin County: 60%
Owning costs about the same in Washington as in Franklin County: with a mortgage, $1,442 a month; without one, $529.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Washington+41%
Franklin County+37%
Missouri+47%
United States+53%
Typical rent
WashingtonNo clear change
Franklin County+20%
Missouri+25%
United States+33%
Typical household income
Washington+30%
Franklin County+28%
Missouri+28%
United States+29%
Change since 2015–2019: Washington and its comparisons
Measure
Washington
Franklin County
Missouri
United States
Typical home value
+41%
+37%
+47%
+53%
Typical rent
No clear change
+20%
+25%
+33%
Typical household income
+30%
+28%
+28%
+29%
Since 2015–2019, homes in Washington gained value faster than in Franklin County: 41% against 37%.
Rent in Washington moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Washington and its comparisons
Measure
Washington
Franklin County
Missouri
United States
Rental vacancy
Unreliable estimate
6.4%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
1.3%
1.7%
3.4%
People per household
2.23
2.44
2.40
2.53
Drive alone
79%
78%
75%
69%
Carpool
Unreliable estimate
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
12%
10%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.23 on average, against 2.44 in Franklin County.
In Washington, 79% of workers drive alone to work; in Franklin County, 78%.
Do the math
What would you pay each month for a home in Washington?
A typical home is tight for the typical income
We start with a typical home in Washington, worth $231,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Washington, which is $79,173 a year. For that payment to be 28% of income, a household would need to earn about $80,739 a year.
The calculator's FHA and conventional loan limits are those of all of Franklin County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Washington. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,113 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,884
at 7.18% · 30 years
Loan amount
$227,602
Total interest
$327,465
Paid off in
November 2056
Includes $3,915 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,847 a month
Tight
$1,847 to $2,375 a month
Your payment · 29%
Hard
more than $2,375 a month
Compared with the typical household income in Washington ($79,173 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,542
Property tax
$143
Home insurance
$97
FHA mortgage insurance (MIP)
$103
You need at least $8,113 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,884; principal and interest $1,542.
The city and its county
Washington and Franklin County
Washington is in Franklin County, Missouri. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Washington
Map of Franklin County, Missouri, with Washington marked. Around it, the neighboring counties.
Washington
Franklin County
Other cities with a page
Washington's own numbers
Typical home value
$231,800
Typical monthly rent
$827
Typical yearly household income
$79,173
Households that own their home
74%
Effective property tax rate
0.74%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Franklin County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,349
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
1.8%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Franklin County.
A typical home in Washington is worth $231,800: about the same as the county and about the same as Missouri. With the typical household income in Washington ($79,173 a year), a typical home costs 2.9 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Washington2.9 years
Franklin3.1 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Franklin County
According to FHFA’s house price index, home prices in Franklin County rose 82% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Franklin County.
Yearly change in FHFA’s price index in Franklin County, 2016 to 2025
2016: +2.9% +2.9% 2016
2017: +4.5% +4.5% 2017
2018: +3.1% +3.1% 2018
2019: +4.5% +4.5% 2019
2020: +2.6% +2.6% 2020
2021: +9.2% +9.2% 2021
2022: +14.3% +14.3% 2022
2023: +10.0% +10.0% 2023
2024: +4.7% +4.7% 2024
2025: +6.3% +6.3% 2025
Change in FHFA’s price index in Franklin County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+6.3%
+3.7%
+2.9%
5 years (2020–2025)
+53%
+51%
+47%
10 years (2015–2025)
+82%
+88%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Washington next to Franklin County, Missouri and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Washington$231,800
Franklin$227,600
Missouri$230,300
United States$332,700
Typical monthly rent
Washington$827
Franklin$893
Missouri$1,033
United States$1,413
Typical yearly household income
Washington$79,173
Franklin$73,165
Missouri$70,702
United States$80,734
See the full table
Washington next to Franklin County and Missouri
Measure
Washington
Franklin County
Missouri
U.S.
Typical home value
$231,800
$227,600
$230,300
$332,700
Typical monthly rent
$827 ▼7% below the county
$893
$1,033
$1,413
Typical yearly household income
$79,173 ▲8% above the county
$73,165
$70,702
$80,734
Households that own their home
74% ▼3 points below the county
77%
68%
65%
Typical yearly property tax
$1,717 ▼5% below the county
$1,813
$1,948
$3,119
Effective property tax rate
0.74% ▼0.06 points below the county
0.8%
0.85%
0.94%
Renters with high rent for their income
48% ▲8 points above the county
40%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Franklin County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Washington
For a typical $231,800 home in Washington, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Washington's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,884a month
Least cash to close
Down payment
$8,113
Cash to close
$15,067
Rate
7.18%
Mortgage insurance
FHA MIP · $103
Conventional, 5% down$1,841a month
Down payment
$11,590
Cash to close
$18,544
Rate
7.18%
Mortgage insurance
PMI · $110
Conventional, 20% down, no PMI$1,496a month
Down payment
$46,360
Cash to close
$53,314
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,710a month
Down payment
$34,770
Cash to close
$41,724
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Washington
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,884
$8,113
$227,602
7.18%
FHA MIP · $103
$15,067
580
Conventional, 5% down
$1,841
$11,590
$220,210
7.18%
PMI · $110
$18,544
620*
Conventional, 20% down, no PMI
$1,496
$46,360
$185,440
7.18%
None
$53,314
620*
ITIN, 15% down (example)
$1,710
$34,770
$197,030
8.18%
None
$41,724
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Washington and for Franklin County.
Property tax
Effective rate in Washington
0.74%of the home’s value each year
$1,717 a year for the typical owner in Washington.
Washington0.74%
Franklin0.8%
Missouri0.85%
What Missouri publishesDeadline to appeal the assessment to the county board of equalization (Missouri Revisor of Statutes (Revised Statutes of Missouri))
Typical rent in Washington is $827 a month: 7% below the county. In Washington, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Franklin County, by unit size. To pay the 2-bedroom one ($1,349 a month) without spending more than 30% of your income, you would need to earn $25.94 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Franklin County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,064
$20.46
$42,560
1 bedroom
$1,104
$21.23
$44,160
2 bedrooms
$1,349
$25.94
$53,960
3 bedrooms
$1,731
$33.29
$69,240
4 bedrooms
$1,997
$38.40
$79,880
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Washington
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Washington is in ZIP code 63090.
For 2 bedrooms it is $1,050: $299 less than the fair market rent for Franklin County ($1,349).
Fair market rent by ZIP code and size in Washington, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
63090
$830
$860
$1,050
$1,350
$1,550
ZIP code2 bd3 bd
63090 $1,050$1,350
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Washington when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Franklin County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Washington or Franklin County. The ones below are statewide in Missouri: they work in Washington the same as in the rest of the state.
Missouri state commission mortgage for first-time buyers and veterans, with the option of cash assistance for the down payment and closing costs.Offered by Missouri Housing Development Commission (MHDC).
Missouri state commission mortgage for buyers who earn more than First Place allows, with a second loan of 4% of the mortgage for the down payment and closing costs that is forgiven after ten years.Offered by Missouri Housing Development Commission (MHDC).
No legal help resource on our list is for Washington or Franklin County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Washington and all of Franklin County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Washington?
The typical home value in Washington is $231,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Franklin County it is $227,600.
How much does it cost to rent in Washington?
Typical rent in Washington is $827 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Franklin County is $1,349.
What is the FHA loan limit in Washington?
Washington uses the FHA limit for all of Franklin County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Washington?
The typical homeowner in Washington pays $1,717 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Franklin County, the rate is 0.8%.
Where can I find free help to buy or rent in Washington?
We found no HUD-approved counseling agencies with an office in Franklin County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
