In Ephrata, a typical home is worth $252,000 and typical rent is $1,106 a month. Compared with all of Grant County, the typical home value is 16% lower and typical household income is 5% lower.
Typical home value from Zillow, September 2021 to September 2026: from $266,788 to $319,659.
Typical rent
$1,294a month
Typical rent from Zillow, June 2026 to September 2026: from $1,263 to $1,294.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ephrata is in Grant 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 Grant County. See the county
What this place has that others do not, from public data, most unusual first.
1
Ephrata has the 7th lowest typical home value of the 191 cities in Washington with more than 5,000 people ($252,000).
2
Nearby, in Othello, the typical rent is $882: 20% less than in Ephrata ($1,106).
3
Ephrata has the 14th lowest typical rent of the 190 cities in Washington with more than 5,000 people ($1,106).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Ephrata
What homes there are in Ephrata, 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
Ephrata
Grant County
Washington
United States
Kind of home: Ephrata and its comparisons
Measure
Ephrata
Grant County
Washington
United States
Detached house
74%
59%
62%
61%
Attached house
Unreliable estimate
3%
4%
6%
Building of 2 to 4
Unreliable estimate
6%
6%
8%
Apartments (5 or more)
Unreliable estimate
9%
22%
19%
Mobile home
Unreliable estimate
24%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Ephrata, 7 in 10 homes are single-family detached houses; in Grant County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Ephrata
Grant County
Washington
United States
Year built: Ephrata and its comparisons
Measure
Ephrata
Grant County
Washington
United States
Before 1960
44%
22%
21%
26%
1960–1979
20%
20%
23%
24%
1980–1999
16%
25%
27%
25%
2000–2009
Unreliable estimate
17%
15%
14%
2010 or later
Unreliable estimate
15%
14%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K23%
$200K–$300K36%
$300K–$500K29%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Ephrata and its comparisons
Measure
Ephrata
Under $100K
Unreliable estimate
$100K–$200K
23%
$200K–$300K
36%
$300K–$500K
29%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99924%
$1,000–$1,49940%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ephrata and its comparisons
Measure
Ephrata
Under $500
Unreliable estimate
$500–$999
24%
$1,000–$1,499
40%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,402 a month
Grant County: $1,670 a month
Without a mortgage
$437 a month
Grant County: $474 a month
Owners with a mortgage
73%
Grant County: 57%
In Ephrata, 73% of owners have a mortgage, and their typical cost is $1,402 a month, against $1,670 in Grant County. Without one it drops to $437.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ephrata+55%
Grant County+69%
Washington+67%
United States+53%
Typical rent
Ephrata+59%
Grant County+42%
Washington+40%
United States+33%
Typical household income
EphrataNo clear change
Grant County+32%
Washington+33%
United States+29%
Change since 2015–2019: Ephrata and its comparisons
Measure
Ephrata
Grant County
Washington
United States
Typical home value
+55%
+69%
+67%
+53%
Typical rent
+59%
+42%
+40%
+33%
Typical household income
No clear change
+32%
+33%
+29%
Homes in Ephrata gained value more slowly than in Grant County: 55% since 2015–2019, against 69%.
The typical rent in Ephrata rose 59% over the same time; in Grant County, it rose 42%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ephrata and its comparisons
Measure
Ephrata
Grant County
Washington
United States
Rental vacancy
Unreliable estimate
3.2%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
1.1%
0.7%
0.9%
More than one person per room
Unreliable estimate
6.5%
3.5%
3.4%
People per household
2.60
2.79
2.50
2.53
Drive alone
83%
73%
63%
69%
Carpool
Unreliable estimate
12%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
3%
3%
Walk or bike
Unreliable estimate
2%
4%
3%
Work from home
Unreliable estimate
10%
20%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Ephrata are smaller: 2.60 people on average; in Grant County, 2.79.
In Ephrata, 83% of workers drive alone to work; in Grant County, 73%.
Do the math
What would you pay each month for a home in Ephrata?
A typical home is tight for the typical income
We start with a typical home in Ephrata, worth $252,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Ephrata, which is $69,551 a year. For that payment to be 28% of income, a household would need to earn about $87,775 a year.
The calculator's FHA and conventional loan limits are those of all of Grant 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 Ephrata. 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 $8,820 (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
$2,048
at 7.18% · 30 years
Loan amount
$247,436
Total interest
$356,002
Paid off in
November 2056
Includes $4,256 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,623 a month
Tight
$1,623 to $2,087 a month
Your payment · 35%
Hard
more than $2,087 a month
Compared with the typical household income in Ephrata ($69,551 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,676
Property tax
$155
Home insurance
$105
FHA mortgage insurance (MIP)
$111
You need at least $8,820 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 $2,048; principal and interest $1,676.
The city and its county
Ephrata and Grant County
Ephrata is in Grant County, Washington. 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).
Ephrata
Map of Grant County, Washington, with Ephrata marked. Around it, the neighboring counties.
Ephrata
Grant County
Other cities with a page
Ephrata's own numbers
Typical home value
$252,000
Typical monthly rent
$1,106
Typical yearly household income
$69,551
Households that own their home
65%
Effective property tax rate
0.74%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Grant County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,361
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
2.7%
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 Grant County.
A typical home in Ephrata is worth $252,000: 16% below the county and 55% below Washington. With the typical household income in Ephrata ($69,551 a year), a typical home costs 3.6 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.
Ephrata3.6 years
Grant4.1 years
Washington5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Grant County
According to FHFA’s house price index, home prices in Grant County rose 109% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Grant County.
Yearly change in FHFA’s price index in Grant County, 2016 to 2025
2016: +5.0% +5.0% 2016
2017: +4.7% +4.7% 2017
2018: +8.0% +8.0% 2018
2019: +7.6% +7.6% 2019
2020: +6.3% +6.3% 2020
2021: +18.0% +18.0% 2021
2022: +18.3% +18.3% 2022
2023: +6.8% +6.8% 2023
2024: +2.7% +2.7% 2024
2025: +0.7% +0.7% 2025
Change in FHFA’s price index in Grant County, Washington and the United States
Period
County
Washington
U.S.
Last year (2025)
+0.7%
+1.8%
+2.9%
5 years (2020–2025)
+54%
+44%
+47%
10 years (2015–2025)
+109%
+113%
+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
Ephrata next to Grant County, Washington and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Ephrata$252,000
Grant$299,500
Washington$564,600
United States$332,700
Typical monthly rent
Ephrata$1,106
Grant$1,116
Washington$1,760
United States$1,413
Typical yearly household income
Ephrata$69,551
Grant$73,267
Washington$98,141
United States$80,734
See the full table
Ephrata next to Grant County and Washington
Measure
Ephrata
Grant County
Washington
U.S.
Typical home value
$252,000 ▼16% below the county
$299,500
$564,600
$332,700
Typical monthly rent
$1,106
$1,116
$1,760
$1,413
Typical yearly household income
$69,551 ▼5% below the county
$73,267
$98,141
$80,734
Households that own their home
65% ▼1 points below the county
66%
64%
65%
Typical yearly property tax
$1,871 ▼20% below the county
$2,339
$4,556
$3,119
Effective property tax rate
0.74% ▼0.04 points below the county
0.78%
0.81%
0.94%
Renters with high rent for their income
42% ▼1 points below the county
43%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Grant 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 Ephrata
For a typical $252,000 home in Ephrata, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ephrata's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,048a month
Least cash to close
Down payment
$8,820
Cash to close
$16,380
Rate
7.18%
Mortgage insurance
FHA MIP · $111
Conventional, 5% down$2,002a month
Down payment
$12,600
Cash to close
$20,160
Rate
7.18%
Mortgage insurance
PMI · $120
Conventional, 20% down, no PMI$1,626a month
Down payment
$50,400
Cash to close
$57,960
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,859a month
Down payment
$37,800
Cash to close
$45,360
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ephrata
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,048
$8,820
$247,436
7.18%
FHA MIP · $111
$16,380
580
Conventional, 5% down
$2,002
$12,600
$239,400
7.18%
PMI · $120
$20,160
620*
Conventional, 20% down, no PMI
$1,626
$50,400
$201,600
7.18%
None
$57,960
620*
ITIN, 15% down (example)
$1,859
$37,800
$214,200
8.18%
None
$45,360
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.
Typical rent in Ephrata is $1,106 a month: about the same as the county. In Ephrata, 42% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Grant County, by unit size. To pay the 2-bedroom one ($1,361 a month) without spending more than 30% of your income, you would need to earn $26.17 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 Grant County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,034
$19.88
$41,360
1 bedroom
$1,040
$20.00
$41,600
2 bedrooms
$1,361
$26.17
$54,440
3 bedrooms
$1,850
$35.58
$74,000
4 bedrooms
$2,275
$43.75
$91,000
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 Ephrata
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ephrata is in ZIP code 98823.
For 2 bedrooms it is $1,370: $9 more than the fair market rent for Grant County ($1,361).
Fair market rent by ZIP code and size in Ephrata, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
98823
$1,040
$1,050
$1,370
$1,860
$2,290
ZIP code2 bd3 bd
98823 $1,370$1,860
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ephrata 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)
HUD lists 4 buildings with rents for lower incomes in Ephrata. These are the largest.
Dawn Village318 E St NE, Ephrata 9882330 low-income homes · 2 bd: 20 · 3 bd: 6 · 4 bd: 4 · In service since 2007 · For people with disabilities, families(509) 707-3457
Summerwind Apartments340 E St NE, Ephrata 9882328 homes, 27 low-income · 1 bd: 4 · 2 bd: 8 · 3 bd: 13 · 4 bd: 2 · In service since 2008 · For people with disabilities, families
Baird Springs Apartments1120 3rd Ave NE, Ephrata 9882326 homes, 25 low-income · 2 bd: 10 · 3 bd: 11 · 4 bd: 5 · In service since 2003 · For people with disabilities, families, people experiencing homelessness
Beasley Hills Apartments1211 2nd Ave NE, Ephrata 9882326 homes, 25 low-income · 3 bd: 16 · 4 bd: 10 · In service since 2000 · For people with disabilities, families, people experiencing homelessness
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 Grant 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 Ephrata or Grant County. The ones below are statewide in Washington: they work in Ephrata the same as in the rest of the state.
Washington state commission 0% second mortgage for 3%, 4% or 5% of the first mortgage, with no monthly payments; you do not need to be a first-time buyer.Offered by Washington State Housing Finance Commission.
Washington state commission loan with no monthly payments of up to 20% of the price (maximum $150,000) plus closing costs, for first-time buyers whose family lived in Washington before 1968 and belonged to a group affected by housing discrimination, including Hispanic people.Offered by Washington State Housing Finance Commission.
Washington state commission loan of up to $15,000 at 1% simple interest, with no monthly payments, for the down payment and closing costs of first-time buyers with the House Key Opportunity mortgage.Offered by Washington State Housing Finance Commission.
No legal help resource on our list is for Ephrata or Grant 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 Ephrata and all of Grant 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 Ephrata?
The typical home value in Ephrata is $252,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Grant County it is $299,500.
How much does it cost to rent in Ephrata?
Typical rent in Ephrata is $1,106 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Grant County is $1,361.
What is the FHA loan limit in Ephrata?
Ephrata uses the FHA limit for all of Grant 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 Ephrata?
The typical homeowner in Ephrata pays $1,871 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Grant County, the rate is 0.78%.
Where can I find free help to buy or rent in Ephrata?
We found no HUD-approved counseling agencies with an office in Grant County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
