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City · 5,634 residents · Benton County, Washington

Finley , Washington

In Finley, a typical home is worth $382,500 and typical rent is $1,099 a month. Compared with all of Benton County, typical rent is 16% lower, the typical home value is 6% lower, and the share of households that own their home is 15 points higher.

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  • Typical home value

    $382,500

    6% below the county

    32% below Washington

    • Finley
    • Benton
    • Washington

  • Typical rent

    $1,099a month

    16% below the county

    38% below Washington

    • Finley
    • Benton
    • Washington

  • Typical household income

    $92,231a year

    3% above the county

    6% below Washington

    • Finley
    • Benton
    • Washington

  • Households that own their home

    83%

    15 points above the county

    19 points above Washington

    • Finley
    • Benton
    • Washington

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

Finley is in Benton 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 Benton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Finley apart

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

  1. 83% of households in Finley own their home, against 68% in Benton County.

  2. Finley has the 12th lowest typical rent of the 190 cities in Washington with more than 5,000 people ($1,099).

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

The homes here

Housing in Finley

What homes there are in Finley, 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 Finley, 5 in 10 homes are single-family detached houses; in Benton County, 6.

Mobile homes are 42% of homes in Finley, more than in Benton County (9%).

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

$2,133 a month

Benton County: $1,993 a month

Without a mortgage

$661 a month

Benton County: $650 a month

Owners with a mortgage

40%

Benton County: 63%

The typical cost for an owner with a mortgage in Finley is $2,133 a month, more than in Benton County ($1,993); without one, $661.

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 Finley rose 97%; in Benton County, it rose 73%.

The typical rent in Finley stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureFinleyBenton CountyWashingtonUnited States
Rental vacancy Unreliable estimate5.0%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate3.4%3.5%3.4%
People per household 2.952.702.502.53
Drive alone 75%74%63%69%
Carpool Unreliable estimate11%9%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate1%4%3%
Work from home Unreliable estimate13%20%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Finley has 2.95 people, more than in Benton County (2.70).

To get to work, 75% of workers in Finley drive alone; in Benton County, 74%.

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 Finley?

A typical home costs more than the typical income allows

We start with a typical home in Finley, worth $382,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Finley, which is $92,231 a year. For that payment to be 28% of income, a household would need to earn about $135,415 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Finley. 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 $13,388 (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

$3,160

at 7.18% · 30 years

Loan amount
$375,571
Total interest
$540,359
Paid off in
November 2056

Includes $6,459 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,152 a month

  • Tight

    $2,152 to $2,767 a month

  • Hard

    more than $2,767 a month

    Your payment · 41%

Compared with the typical household income in Finley ($92,231 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,160
Principal & interest$2,544
Property tax$287
Home insurance$159
FHA mortgage insurance (MIP)$169

You need at least $13,388 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

Finley and Benton County

Finley is in Benton 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).

Finley's own numbers

Typical home value
$382,500
Typical monthly rent
$1,099
Typical yearly household income
$92,231
Households that own their home
83%
Effective property tax rate
0.9%

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

Numbers for all of Benton County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,487
Price change over 5 years (FHFA)
+46%

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 Benton County.

Everything about Benton County

Buying

Buying a home in Finley

A typical home in Finley is worth $382,500: 6% below the county and 32% below Washington. With the typical household income in Finley ($92,231 a year), a typical home costs 4.1 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.

  • Finley 4.1 years
  • Benton 4.5 years
  • Washington 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Benton County

According to FHFA’s house price index, home prices in Benton County rose 117% in the 10 years through 2025.

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

Period County Washington U.S.
Last year (2025) +3.1% +1.8% +2.9%
5 years (2020–2025) +46% +44% +47%
10 years (2015–2025) +117% +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

Finley next to Benton 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
  • Finley $382,500
  • Benton $407,800
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Finley $1,099
  • Benton $1,306
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Finley $92,231
  • Benton $89,874
  • Washington $98,141
  • United States $80,734
See the full table
Finley next to Benton County and Washington
Measure Finley Benton County Washington U.S.
Typical home value $382,500 $407,800 $564,600 $332,700
Typical monthly rent $1,099 $1,306 $1,760 $1,413
Typical yearly household income $92,231 $89,874 $98,141 $80,734
Households that own their home 83% 68% 64% 65%
Typical yearly property tax $3,446 $3,163 $4,556 $3,119
Effective property tax rate 0.9% 0.78% 0.81% 0.94%

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

For a typical $382,500 home in Finley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Finley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,160a month

    Least cash to close
    Down payment
    $13,388
    Cash to close
    $24,863
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $169

  • Conventional, 5% down $3,090a month

    Down payment
    $19,125
    Cash to close
    $30,600
    Rate
    7.18%
    Mortgage insurance
    PMI · $182

  • Conventional, 20% down, no PMI $2,519a month

    Down payment
    $76,500
    Cash to close
    $87,975
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,873a month

    Down payment
    $57,375
    Cash to close
    $68,850
    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 Finley and for Benton County.

Property tax

Effective rate in Finley

0.9%of the home’s value each year

$3,446 a year for the typical owner in Finley.

  • Finley 0.9%
  • Benton 0.78%
  • Washington 0.81%

What Washington publishes Exemption for people 61 and older or with disabilities (Washington State Department of Revenue)

Exemptions and deadlines in Washington

Flood risk in Benton County

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

FEMA’s maps count no homes in the high-risk zone in Benton County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Finley

Typical rent in Finley is $1,099 a month: 16% below the county.

HUD publishes a fair market rent for all of Benton County, by unit size. To pay the 2-bedroom one ($1,487 a month) without spending more than 30% of your income, you would need to earn $28.60 an hour working full time.

HUD fair market rent for all of Benton 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 $1,094 $21.04 $43,760
1 bedroom $1,230 $23.65 $49,200
2 bedrooms $1,487 $28.60 $59,480
3 bedrooms $2,051 $39.44 $82,040
4 bedrooms $2,341 $45.02 $93,640

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 Finley

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Finley is in ZIP code 99337.

For 2 bedrooms it is $1,580: $93 more than the fair market rent for Benton County ($1,487).

  • 99337 $1,580$2,180

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Finley 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 Finley

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 Benton County. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Finley

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

Which programs do I qualify for? All programs in Washington

  • Home Advantage Downpayment Assistance

    Statewide in Washington

    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.

    Deferred

    See the program Official page

  • Covenant Homeownership Program

    Statewide in Washington

    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.

    Deferred

    See the program Official page

  • House Key Opportunity DPA

    Statewide in Washington

    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.

    Deferred

    See the program Official page

Housing counselors near Finley

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

  • Oic of Washington

    815 Fruitvale Blvd, Yakima · 77 miles away · Spanish

    Also serves in Arabic, American Sign Language (ASL), Cambodian, Cantonese, and 18 more languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (509) 765-9206

  • Catholic Charities Housing Services

    5301 Tieton Dr, Yakima · 79 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (509) 759-7924

  • Community Frameworks

    907 W Riverside Ave, Spokane · 128 miles away

    • Home improvement and repairs
    • Workshops for new owners
    • and 2 more
    (509) 484-6733

All counseling agencies in Washington

Help in Spanish near Finley

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 Finley

In HUD’s record, no housing authority with an office in Benton County is named for Finley or Benton County.

One other authority has an office in Benton County: see the list Source: HUD

Cities

Other cities in Benton County

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

Everything about Benton County Housing in Washington

Nearby cities

The cities closest to Finley, with the typical home value.

Neighboring counties

If Benton 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 Finley.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Finley

Short answers with the numbers for Finley and all of Benton 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 Finley?

The typical home value in Finley is $382,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Benton County it is $407,800.

How much does it cost to rent in Finley?

Typical rent in Finley is $1,099 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Benton County is $1,487.

What is the FHA loan limit in Finley?

Finley uses the FHA limit for all of Benton 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 Finley?

The typical homeowner in Finley pays $3,446 a year, according to the U.S. Census Bureau. That is 0.9% of the home’s value; in Benton County, the rate is 0.78%.

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

We found no HUD-approved counseling agencies with an office in Benton County; the nearest ones are on this page. 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).