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City · 5,073 residents · Washington County, Oregon

King City , Oregon

In King City, a typical home is worth $423,700. Compared with all of Washington County, typical household income is 41% lower, the typical home value is 28% lower, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $423,700

    28% below the county

    11% below Oregon

    • King City
    • Washington
    • Oregon

  • Typical household income

    $63,684a year

    41% below the county

    23% below Oregon

    • King City
    • Washington
    • Oregon

  • Households that own their home

    81%

    20 points above the county

    17 points above Oregon

    • King City
    • Washington
    • Oregon

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$463,236
about the same as 12 months ago
Typical rent
$1,759 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

King City is in Washington County. The FHA loan limit ($701,500 for a one-unit home), the fair market rents and the help on this page are those of all of Washington County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets King City apart

What this place has that others do not, from public data, most unusual first.

  1. King City has the largest share of rent-burdened renters of the 93 cities in Oregon with more than 5,000 people: 74%.

  2. 81% of households in King City own their home, against 61% in Washington County.

  3. The typical household income in King City is $63,684, 41% less than in Washington County as a whole ($107,772).

  4. The typical home in King City is worth $423,700, 28% less than in Washington County as a whole ($588,000).

  5. 8% of households in King City have no internet at home (3% in Washington County).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in King City

What homes there are in King City, 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

In King City, 6 in 10 homes are single-family detached houses, about the same as in Washington County.

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,752 a month

Washington County: $2,475 a month

Without a mortgage

$703 a month

Washington County: $846 a month

Owners with a mortgage

67%

Washington County: 71%

In King City, 67% of owners have a mortgage, and their typical cost is $1,752 a month, against $2,475 in Washington County. Without one it drops to $703.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in King City rose 59%; in Washington County, it rose 52%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureKing CityWashington CountyOregonUnited States
Rental vacancy Unreliable estimate4.1%4.2%5.5%
Homeowner vacancy Unreliable estimate0.5%0.7%0.9%
More than one person per room Unreliable estimate3.4%3.2%3.4%
People per household 1.822.532.422.53
Drive alone 63%61%65%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimate3%2%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 28%24%19%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in King City has 1.82 people, fewer than in Washington County (2.53).

Working from home is more common in King City: 28%, against 24% in Washington County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in King City?

A typical home costs more than the typical income allows

We start with a typical home in King City, worth $423,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 66% of the typical household income in King City, which is $63,684 a year. For that payment to be 28% of income, a household would need to earn about $149,244 a year.

The calculator's FHA and conventional loan limits are those of all of Washington County.

Your numbers

Local data
$

Starts at the typical home value in King City. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $14,830 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,482

at 7.18% · 30 years

Loan amount
$416,025
Total interest
$598,563
Paid off in
November 2056

Includes $7,155 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,486 a month

  • Tight

    $1,486 to $1,911 a month

  • Hard

    more than $1,911 a month

    Your payment · 66%

Compared with the typical household income in King City ($63,684 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,482
Principal & interest$2,818
Property tax$300
Home insurance$177
FHA mortgage insurance (MIP)$187

You need at least $14,830 for the down payment, plus closing costs.

Next step

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.

The city and its county

King City and Washington County

King City is in Washington County, Oregon. 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).

King City's own numbers

Typical home value
$423,700
Typical yearly household income
$63,684
Households that own their home
81%
Effective property tax rate
0.85%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Washington County

FHA limit, one-unit home
$701,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,878
Price change over 5 years (FHFA)
+33%
Homes in a high flood-risk zone
1%

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 Washington County.

Everything about Washington County

Buying

Buying a home in King City

A typical home in King City is worth $423,700: 28% below the county and 11% below Oregon. With the typical household income in King City ($63,684 a year), a typical home costs 6.7 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.

  • King City 6.7 years
  • Washington 5.5 years
  • Oregon 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Washington County

According to FHFA’s house price index, home prices in Washington County rose 80% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Washington County.

Period County Oregon U.S.
Last year (2025) −0.5% +0.9% +2.9%
5 years (2020–2025) +33% +35% +47%
10 years (2015–2025) +80% +86% +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

King City next to Washington County, Oregon and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • King City $423,700
  • Washington $588,000
  • Oregon $477,600
  • United States $332,700
Typical yearly household income
  • King City $63,684
  • Washington $107,772
  • Oregon $83,011
  • United States $80,734
See the full table
King City next to Washington County and Oregon
Measure King City Washington County Oregon U.S.
Typical home value $423,700 $588,000 $477,600 $332,700
Typical yearly household income $63,684 $107,772 $83,011 $80,734
Households that own their home 81% 61% 63% 65%
Typical yearly property tax $3,621 $4,929 $3,876 $3,119
Effective property tax rate 0.85% 0.84% 0.81% 0.94%
Renters with high rent for their income 74% 49% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Washington 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 King City

For a typical $423,700 home in King City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, King City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,482a month

    Least cash to close
    Down payment
    $14,830
    Cash to close
    $27,541
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $187

  • Conventional, 5% down $3,405a month

    Down payment
    $21,185
    Cash to close
    $33,896
    Rate
    7.18%
    Mortgage insurance
    PMI · $201

  • Conventional, 20% down, no PMI $2,773a month

    Down payment
    $84,740
    Cash to close
    $97,451
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,165a month

    Down payment
    $63,555
    Cash to close
    $76,266
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for King City and for Washington County.

Property tax

Effective rate in King City

0.85%of the home’s value each year

$3,621 a year for the typical owner in King City.

  • King City 0.85%
  • Washington 0.84%
  • Oregon 0.81%

What Oregon publishes 3 percent cap on maximum assessed value (Measure 50) (Oregon Legislature (Oregon Revised Statutes))

Exemptions and deadlines in Oregon

Flood risk in Washington County

FEMA does not publish these numbers by city: they are for all of Washington County.

Homes in the high-risk zone
1%
1,766
Of those, with NFIP insurance
38%
County Oregon U.S.
Homes in the high-risk zone 1% 2.8% 3.5%
Of those, with NFIP insurance 38% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in King City

The Census Bureau publishes no typical rent for King City. Below are the fair market rents for Washington County. In King City, 74% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Washington County, by unit size. To pay the 2-bedroom one ($1,878 a month) without spending more than 30% of your income, you would need to earn $36.12 an hour working full time.

HUD fair market rent for all of Washington County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,527 $29.37 $61,080
1 bedroom $1,633 $31.40 $65,320
2 bedrooms $1,878 $36.12 $75,120
3 bedrooms $2,550 $49.04 $102,000
4 bedrooms $3,069 $59.02 $122,760

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 King City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). King City is in ZIP code 97224.

For 2 bedrooms it is $1,890: $12 more than the fair market rent for Washington County ($1,878).

  • 97224 $1,890$2,570

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for King City 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in King City

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.

There are 2 HUD-approved agencies with an office in Washington County; 2 say they serve in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in King City

No down payment, repair or rent-help program on our list is for King City or Washington County. The ones below are statewide in Oregon: they work in King City the same as in the rest of the state.

Which programs do I qualify for? All programs in Oregon

  • OHCS Down Payment Assistance

    Statewide in Oregon

    Oregon state funds for the down payment and closing costs, delivered by local organizations: up to $60,000 or 20% of the price, sometimes as a grant or as a forgivable second mortgage, for first-time or first-generation buyers with income up to 100% of the area median. Offered by Oregon Housing and Community Services (OHCS).

    GrantForgivable

    See the program Official page

  • FirstHome (Flex Lending)

    Statewide in Oregon

    Oregon Housing and Community Services mortgage for low- and moderate-income first-time buyers, with down payment assistance of 4% or 5% of the loan as a second mortgage. Offered by Oregon Housing and Community Services (OHCS).

    Type not stated

    See the program Official page

  • NextStep (Flex Lending)

    Statewide in Oregon

    Oregon Housing and Community Services mortgage for any buyer, including people who have owned a home before, with down payment assistance of 4% or 5% of the loan as a second mortgage that can be forgivable or repayable. Offered by Oregon Housing and Community Services (OHCS).

    Type not stated

    See the program Official page

Housing counselors near King City

The HUD-approved agencies closest to the center of King City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Housing Options Provided for the Elderly

    5200 Meadows Rd Ste 150, Lake Oswego · 4 miles away

    • Reverse mortgage counseling
    (971) 207-7820

  • DevNw

    421 High Street, Suite 110, Oregon City · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (503) 655-8974

  • Bienestar

    448 S 1st Ave Ste 100, Hillsboro · 12 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (503) 693-2937

Every agency in Washington County All counseling agencies in Oregon

Help in Spanish near King City

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of King City

HUD’s record names them for King City or Washington County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Washington County Public housing and Section 8 vouchers (503) 846-4794

All housing agencies in Oregon Source: HUD

Cities

Other cities in Washington County

These cities are also in Washington County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Washington County Housing in Oregon
See 7 more cities in Washington County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to King City, with the typical home value.

Neighboring counties

If Washington County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in King City.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about King City

Short answers with the numbers for King City and all of Washington 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 King City?

The typical home value in King City is $423,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washington County it is $588,000.

What is the FHA loan limit in King City?

King City uses the FHA limit for all of Washington County (2026): $701,500 for a one-unit home and $1,349,050 for a four-unit home.

How much property tax do owners pay in King City?

The typical homeowner in King City pays $3,621 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Washington County, the rate is 0.84%.

Where can I find free help to buy or rent in King City?

There are 2 HUD-approved counseling agencies with an office in Washington County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).