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City · 85,295 residents · Benton County, Washington

Kennewick , Washington

In Kennewick, a typical home is worth $370,700 and typical rent is $1,240 a month. Compared with all of Benton County, typical household income is 18% lower, the typical home value is 9% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $370,700

    9% below the county

    34% below Washington

    • Kennewick
    • Benton
    • Washington

  • Typical rent

    $1,240a month

    5% below the county

    30% below Washington

    • Kennewick
    • Benton
    • Washington

  • Typical household income

    $73,576a year

    18% below the county

    25% below Washington

    • Kennewick
    • Benton
    • Washington

  • Households that own their home

    61%

    6 points below the county

    2 points below Washington

    • Kennewick
    • Benton
    • Washington

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

Market now, with Zillow data

Zillow data
Typical home value
$427,901
0.5% more than 12 months ago
Typical rent
$1,654 a month
2.1% more than 12 months ago

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

Kennewick 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 Kennewick apart

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

  1. Nearby, in Prosser, the typical rent is $944: 24% less than in Kennewick ($1,240).

  2. Nearby, in Prosser, the typical home value is $314,000: 15% less than in Kennewick ($370,700).

  3. The typical household income in Kennewick is $73,576, 18% less than in Benton County as a whole ($89,874).

  4. 61% of households in Kennewick own their home, against 68% in Benton County.

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

The homes here

Housing in Kennewick

What homes there are in Kennewick, 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 houses are the majority in Kennewick (59%), but less so than in Benton County (63%).

Year built

Homes in Kennewick are older: the typical year built is 1979; in Benton County, 1988.

There are fewer big homes in Kennewick than in Benton County: 61% have 3 bedrooms or more, against 68%.

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

By price, most homes in Kennewick sit under the FHA limit for Benton County ($541,287): about 81%.

Monthly rent with utilities

About 71% of rented homes in Kennewick cost less than HUD's 2-bedroom fair market rent for Benton County ($1,487).

With a mortgage

$1,837 a month

Benton County: $1,993 a month

Without a mortgage

$585 a month

Benton County: $650 a month

Owners with a mortgage

61%

Benton County: 63%

Owning costs less in Kennewick: with a mortgage, the typical cost is $1,837 a month; in Benton County, $1,993. Without one, $585.

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

The typical home value in Kennewick rose 72% since 2015–2019, about the same as in Benton County (73%).

Much as in Benton County, the typical rent in Kennewick rose 35% since 2015–2019.

Housing prices ran ahead of income in Kennewick: typical income rose 24%, against +72% for home values and +35% for rent.

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

MeasureKennewickBenton CountyWashingtonUnited States
Rental vacancy 5.0%5.0%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room 4.6%3.4%3.5%3.4%
People per household 2.682.702.502.53
Drive alone 76%74%63%69%
Carpool 11%11%9%9%
Public transit 2%1%3%3%
Walk or bike 1%1%4%3%
Work from home 10%13%20%15%
Other means 1%1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Benton County, the rental vacancy rate in Kennewick is 5.0%.

More households are short on space in Kennewick: 4.6% have more than one person per room; in Benton County, 3.4%.

A household in Kennewick has 2.68 people on average, about the same as in Benton County (2.70).

The car rules in Kennewick: 76% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Kennewick?

A typical home costs more than the typical income allows

We start with a typical home in Kennewick, worth $370,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Kennewick, which is $73,576 a year. For that payment to be 28% of income, a household would need to earn about $128,854 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 Kennewick. 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 $12,975 (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

$3,007

at 7.18% · 30 years

Loan amount
$363,985
Total interest
$523,689
Paid off in
November 2056

Includes $6,260 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,717 a month

  • Tight

    $1,717 to $2,207 a month

  • Hard

    more than $2,207 a month

    Your payment · 49%

Compared with the typical household income in Kennewick ($73,576 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,007
Principal & interest$2,466
Property tax$222
Home insurance$155
FHA mortgage insurance (MIP)$164

You need at least $12,975 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

Kennewick and Benton County

Kennewick 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).

Kennewick's own numbers

Typical home value
$370,700
Typical monthly rent
$1,240
Typical yearly household income
$73,576
Households that own their home
61%
Effective property tax rate
0.72%

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 Kennewick

A typical home in Kennewick is worth $370,700: 9% below the county and 34% below Washington. With the typical household income in Kennewick ($73,576 a year), a typical home costs 5.0 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.

  • Kennewick 5.0 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

Kennewick 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
  • Kennewick $370,700
  • Benton $407,800
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Kennewick $1,240
  • Benton $1,306
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Kennewick $73,576
  • Benton $89,874
  • Washington $98,141
  • United States $80,734
See the full table
Kennewick next to Benton County and Washington
Measure Kennewick Benton County Washington U.S.
Typical home value $370,700 $407,800 $564,600 $332,700
Typical monthly rent $1,240 $1,306 $1,760 $1,413
Typical yearly household income $73,576 $89,874 $98,141 $80,734
Households that own their home 61% 68% 64% 65%
Typical yearly property tax $2,661 $3,163 $4,556 $3,119
Effective property tax rate 0.72% 0.78% 0.81% 0.94%
Renters with high rent for their income 57% 48% 50% 51%

“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 Kennewick

For a typical $370,700 home in Kennewick, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kennewick's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,007a month

    Least cash to close
    Down payment
    $12,975
    Cash to close
    $24,096
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $164

  • Conventional, 5% down $2,939a month

    Down payment
    $18,535
    Cash to close
    $29,656
    Rate
    7.18%
    Mortgage insurance
    PMI · $176

  • Conventional, 20% down, no PMI $2,386a month

    Down payment
    $74,140
    Cash to close
    $85,261
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,729a month

    Down payment
    $55,605
    Cash to close
    $66,726
    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 Kennewick and for Benton County.

Property tax

Effective rate in Kennewick

0.72%of the home’s value each year

$2,661 a year for the typical owner in Kennewick.

  • Kennewick 0.72%
  • 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 Kennewick

Typical rent in Kennewick is $1,240 a month: 5% below the county. In Kennewick, 57% of renter households pay 30% or more of their income in rent.

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 Kennewick

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kennewick has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,440 in 99336 to $1,710 in 99338.

2 of the 3 are above the fair market rent for Benton County ($1,487).

  • 99336 $1,440$1,990
  • 99337 $1,580$2,180
  • 99338 $1,710$2,360

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kennewick 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 Kennewick

HUD lists 19 buildings with rents for lower incomes in Kennewick. These are the largest.

  • Heatherstone Preservation 1114 W 10th Ave, Kennewick 99336 455 homes, 452 low-income · Studio: 12 · 1 bd: 140 · 2 bd: 200 · 3 bd: 103 · In service since 2019 · For people with disabilities, families
  • Kamiakin Apartments 4711 W Metaline Ave, Kennewick 99336 236 homes, 233 low-income · 1 bd: 212 · 2 bd: 24 · In service since 2006
  • Copper Ridge Apartments 5501 W Hildebrand Blvd, Kennewick 99338 232 homes, 230 low-income · 1 bd: 44 · 2 bd: 128 · 3 bd: 60 · In service since 2013 · For people with disabilities, families
  • Heatherstone 1114 W 10th Ave, Kennewick 99336 225 homes, 223 low-income · In service since 1996 · For families
  • Sunny Slope Homes 6 W 6th Ave, Kennewick 99336 190 low-income homes · Run by HA City of Kennewick · Average payment: $505 a month · Average wait: 23 months (509) 586-8576

See all 33 buildings in Benton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Kennewick

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 young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Kennewick

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

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

  • Oic of Washington

    815 Fruitvale Blvd, Yakima · 70 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 · 72 miles away · Spanish

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

  • Community Frameworks

    907 W Riverside Ave, Spokane · 130 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 Kennewick

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 Kennewick

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

  • HA City of Kennewick Public housing and Section 8 vouchers (509) 586-8576

All housing agencies in Washington 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 Kennewick, 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 Kennewick.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Kennewick

Short answers with the numbers for Kennewick 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 Kennewick?

The typical home value in Kennewick is $370,700, 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 Kennewick?

Typical rent in Kennewick is $1,240 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 Kennewick?

Kennewick 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 Kennewick?

The typical homeowner in Kennewick pays $2,661 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Benton County, the rate is 0.78%.

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

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).