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City · 8,800 residents · Grays Harbor County, Washington

Hoquiam , Washington

In Hoquiam, a typical home is worth $228,200 and typical rent is $1,086 a month. Compared with all of Grays Harbor County, the typical home value is 27% lower, typical household income is 23% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $228,200

    27% below the county

    60% below Washington

    • Hoquiam
    • Grays Harbor
    • Washington

  • Typical rent

    $1,086a month

    2% above the county

    38% below Washington

    • Hoquiam
    • Grays Harbor
    • Washington

  • Typical household income

    $49,795a year

    23% below the county

    49% below Washington

    • Hoquiam
    • Grays Harbor
    • Washington

  • Households that own their home

    62%

    12 points below the county

    2 points below Washington

    • Hoquiam
    • Grays Harbor
    • Washington

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

Market now, with Zillow data

Zillow data
Typical home value
$238,143
4.3% less than 12 months ago
Typical rent
$1,519 a month

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

Hoquiam is in Grays Harbor 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 Grays Harbor County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hoquiam apart

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

  1. Hoquiam has the 2nd lowest typical household income of the 194 cities in Washington with more than 5,000 people ($49,795).

  2. Hoquiam has the 2nd lowest typical home value of the 191 cities in Washington with more than 5,000 people ($228,200).

  3. Hoquiam has the 11th lowest typical rent of the 190 cities in Washington with more than 5,000 people ($1,086).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Hoquiam fell 4.3%; in Washington, it fell 0.5%.

  5. 62% of households in Hoquiam own their home, against 73% in Grays Harbor County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Hoquiam

What homes there are in Hoquiam, 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

The detached house is the most common home in Hoquiam: 76% of homes, near the figure in Grays Harbor County (74%).

Year built

The typical home in Hoquiam was built before 1940, the oldest group the Census tells apart; 70% of homes date from before 1960.

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

With an FHA limit of $541,287, at least 95% of owner-occupied homes in Hoquiam sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,483 a month

Grays Harbor County: $1,663 a month

Without a mortgage

$612 a month

Grays Harbor County: $562 a month

Owners with a mortgage

54%

Grays Harbor County: 54%

In Hoquiam, 54% of owners have a mortgage, and their typical cost is $1,483 a month, against $1,663 in Grays Harbor County. Without one it drops to $612.

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

Since 2015–2019, homes in Hoquiam gained value faster than in Grays Harbor County: 106% against 76%.

The typical rent in Hoquiam rose 43% over the same time; in Grays Harbor County, it rose 37%.

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

MeasureHoquiamGrays Harbor CountyWashingtonUnited States
Rental vacancy Unreliable estimate3.3%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate3.3%3.5%3.4%
People per household 2.352.422.502.53
Drive alone 80%76%63%69%
Carpool 9%7%9%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimate4%4%3%
Work from home Unreliable estimate10%20%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Hoquiam has 2.35 people on average, about the same as in Grays Harbor County (2.42).

To get to work, 80% of workers in Hoquiam drive alone; in Grays Harbor County, 76%.

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 Hoquiam?

A typical home costs more than the typical income allows

We start with a typical home in Hoquiam, worth $228,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Hoquiam, which is $49,795 a year. For that payment to be 28% of income, a household would need to earn about $80,544 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hoquiam. 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 $7,987 (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

$1,879

at 7.18% · 30 years

Loan amount
$224,067
Total interest
$322,379
Paid off in
November 2056

Includes $3,854 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,162 a month

  • Tight

    $1,162 to $1,494 a month

  • Hard

    more than $1,494 a month

    Your payment · 45%

Compared with the typical household income in Hoquiam ($49,795 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,879
Principal & interest$1,518
Property tax$165
Home insurance$95
FHA mortgage insurance (MIP)$101

You need at least $7,987 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

Hoquiam and Grays Harbor County

Hoquiam is in Grays Harbor 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).

Hoquiam's own numbers

Typical home value
$228,200
Typical monthly rent
$1,086
Typical yearly household income
$49,795
Households that own their home
62%
Effective property tax rate
0.87%

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

Numbers for all of Grays Harbor County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,345
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
17%

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 Grays Harbor County.

Everything about Grays Harbor County

Buying

Buying a home in Hoquiam

A typical home in Hoquiam is worth $228,200: 27% below the county and 60% below Washington. With the typical household income in Hoquiam ($49,795 a year), a typical home costs 4.6 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.

  • Hoquiam 4.6 years
  • Grays Harbor 4.9 years
  • Washington 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Grays Harbor County

According to FHFA’s house price index, home prices in Grays Harbor County rose 146% in the 10 years through 2025.

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

Period County Washington U.S.
Last year (2025) +3.1% +1.8% +2.9%
5 years (2020–2025) +56% +44% +47%
10 years (2015–2025) +146% +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

Hoquiam next to Grays Harbor 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
  • Hoquiam $228,200
  • Grays Harbor $314,000
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Hoquiam $1,086
  • Grays Harbor $1,062
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Hoquiam $49,795
  • Grays Harbor $64,414
  • Washington $98,141
  • United States $80,734
See the full table
Hoquiam next to Grays Harbor County and Washington
Measure Hoquiam Grays Harbor County Washington U.S.
Typical home value $228,200 $314,000 $564,600 $332,700
Typical monthly rent $1,086 $1,062 $1,760 $1,413
Typical yearly household income $49,795 $64,414 $98,141 $80,734
Households that own their home 62% 73% 64% 65%
Typical yearly property tax $1,976 $2,512 $4,556 $3,119
Effective property tax rate 0.87% 0.8% 0.81% 0.94%
Renters with high rent for their income 48% 49% 50% 51%

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

For a typical $228,200 home in Hoquiam, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hoquiam's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,879a month

    Least cash to close
    Down payment
    $7,987
    Cash to close
    $14,833
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $101

  • Conventional, 5% down $1,838a month

    Down payment
    $11,410
    Cash to close
    $18,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $108

  • Conventional, 20% down, no PMI $1,497a month

    Down payment
    $45,640
    Cash to close
    $52,486
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,708a month

    Down payment
    $34,230
    Cash to close
    $41,076
    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 Hoquiam and for Grays Harbor County.

Property tax

Effective rate in Hoquiam

0.87%of the home’s value each year

$1,976 a year for the typical owner in Hoquiam.

  • Hoquiam 0.87%
  • Grays Harbor 0.8%
  • 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 Grays Harbor County

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

Homes in the high-risk zone
17%
5,533
Of those, with NFIP insurance
19%
County Washington U.S.
Homes in the high-risk zone 17% 1.6% 3.5%
Of those, with NFIP insurance 19% 40% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hoquiam

Typical rent in Hoquiam is $1,086 a month: 2% above the county. In Hoquiam, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Grays Harbor County, by unit size. To pay the 2-bedroom one ($1,345 a month) without spending more than 30% of your income, you would need to earn $25.87 an hour working full time.

HUD fair market rent for all of Grays Harbor 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 $937 $18.02 $37,480
1 bedroom $1,045 $20.10 $41,800
2 bedrooms $1,345 $25.87 $53,800
3 bedrooms $1,862 $35.81 $74,480
4 bedrooms $2,123 $40.83 $84,920

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 Hoquiam

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hoquiam is in ZIP code 98550.

For 2 bedrooms it is $1,340: $5 less than the fair market rent for Grays Harbor County ($1,345).

  • 98550 $1,340$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 Hoquiam 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?

Low-income apartments

Low-income apartments in Hoquiam

HUD lists 2 buildings with rents for lower incomes in Hoquiam. These are the largest.

  • Emerson Manor 703 Simpson Ave, Hoquiam 98550 59 homes, 58 low-income · Studio: 8 · 1 bd: 51 · In service since 2001 · For older adults, people with disabilities (360) 533-4710
  • Habor Manor 411 10th St, Hoquiam 98550 24 low-income homes · For older adults (360) 533-7150

See all 14 buildings in Grays Harbor County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hoquiam

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

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Hoquiam

No down payment, repair or rent-help program on our list is for Hoquiam or Grays Harbor County. The ones below are statewide in Washington: they work in Hoquiam 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 Hoquiam

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

  • Tacoma/ Pierce County Habitat for Humanity

    4824 S Tacoma Way, Tacoma · 69 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    253-627-5626x120

  • Community Frameworks

    1310 Bertha Ave NW, Bremerton · 71 miles away

    • Home improvement and repairs
    • Workshops for new owners
    • and 2 more
    (360) 842-8059

  • American Financial Solutions

    500 Pacific Avenue, Bremerton · 73 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (888) 864-8699

All counseling agencies in Washington

Help in Spanish near Hoquiam

1 of the 3 agencies on this list says it serves 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 Hoquiam

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

  • HA Of Grays Harbor County Public housing and Section 8 vouchers (360) 532-0570

All housing agencies in Washington Source: HUD

Cities

Other cities in Grays Harbor County

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

Everything about Grays Harbor County Housing in Washington

Nearby cities

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

Neighboring counties

If Grays Harbor 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 Hoquiam.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Hoquiam

Short answers with the numbers for Hoquiam and all of Grays Harbor 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 Hoquiam?

The typical home value in Hoquiam is $228,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Grays Harbor County it is $314,000.

How much does it cost to rent in Hoquiam?

Typical rent in Hoquiam is $1,086 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Grays Harbor County is $1,345.

What is the FHA loan limit in Hoquiam?

Hoquiam uses the FHA limit for all of Grays Harbor 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 Hoquiam?

The typical homeowner in Hoquiam pays $1,976 a year, according to the U.S. Census Bureau. That is 0.87% of the home’s value; in Grays Harbor County, the rate is 0.8%.

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

We found no HUD-approved counseling agencies with an office in Grays Harbor 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).