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City · 26,083 residents · Grant County, Washington

Moses Lake , Washington

In Moses Lake, a typical home is worth $310,000 and typical rent is $1,216 a month. Compared with all of Grant County, typical rent is 9% higher and the share of households that own their home is 5 points lower.

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  • Typical home value

    $310,000

    4% above the county

    45% below Washington

    • Moses Lake
    • Grant
    • Washington

  • Typical rent

    $1,216a month

    9% above the county

    31% below Washington

    • Moses Lake
    • Grant
    • Washington

  • Typical household income

    $74,752a year

    2% above the county

    24% below Washington

    • Moses Lake
    • Grant
    • Washington

  • Households that own their home

    61%

    5 points below the county

    3 points below Washington

    • Moses Lake
    • Grant
    • Washington

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

Market now, with Zillow data

Zillow data
Typical home value
$360,400
0.7% less than 12 months ago
Typical rent
$1,451 a month
1.5% less than 12 months ago

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

Moses Lake 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Moses Lake apart

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

  1. Nearby, in Othello, the typical rent is $882: 27% less than in Moses Lake ($1,216).

  2. Nearby, in Ephrata, the typical home value is $252,000: 19% less than in Moses Lake ($310,000).

  3. Moses Lake has the 13th lowest typical home value of the 191 cities in Washington with more than 5,000 people ($310,000).

  4. 61% of households in Moses Lake own their home, against 66% in Grant County.

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

The homes here

Housing in Moses Lake

What homes there are in Moses Lake, 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 Moses Lake: 59% of homes, near the figure in Grant County (59%).

Year built

Homes in Moses Lake are newer: the typical year built is 1992; in Grant County, 1988.

In Moses Lake, 17% of homes have 1 bedroom or none (studios); 60% have 3 bedrooms or more, against 64% in Grant County.

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

The FHA loan limit for Grant County is $541,287, and about 94% of owner-occupied homes in Moses Lake are worth less than that.

Monthly rent with utilities

With a mortgage

$1,789 a month

Grant County: $1,670 a month

Without a mortgage

$555 a month

Grant County: $474 a month

Owners with a mortgage

67%

Grant County: 57%

The typical cost for an owner with a mortgage in Moses Lake is $1,789 a month, more than in Grant County ($1,670); without one, $555.

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 Moses Lake gained value faster than in Grant County: 88% against 69%.

Since 2015–2019, the typical rent in Moses Lake rose 35%, less than in Grant County (42%).

While home values in Moses Lake changed +88% and rent +35%, the typical household income rose 46%.

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

MeasureMoses LakeGrant CountyWashingtonUnited States
Rental vacancy Unreliable estimate3.2%4.5%5.5%
Homeowner vacancy Unreliable estimate1.1%0.7%0.9%
More than one person per room Unreliable estimate6.5%3.5%3.4%
People per household 2.552.792.502.53
Drive alone 81%73%63%69%
Carpool 9%12%9%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike 3%2%4%3%
Work from home 7%10%20%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.55 on average, against 2.79 in Grant County.

The car rules in Moses Lake: 81% 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 Moses Lake?

A typical home costs more than the typical income allows

We start with a typical home in Moses Lake, worth $310,000, 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 Moses Lake, which is $74,752 a year. For that payment to be 28% of income, a household would need to earn about $108,862 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Moses Lake. 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 $10,850 (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

$2,540

at 7.18% · 30 years

Loan amount
$304,385
Total interest
$437,939
Paid off in
November 2056

Includes $5,235 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,744 a month

  • Tight

    $1,744 to $2,243 a month

  • Hard

    more than $2,243 a month

    Your payment · 41%

Compared with the typical household income in Moses Lake ($74,752 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,540
Principal & interest$2,062
Property tax$212
Home insurance$129
FHA mortgage insurance (MIP)$137

You need at least $10,850 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

Moses Lake and Grant County

Moses Lake 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).

Moses Lake's own numbers

Typical home value
$310,000
Typical monthly rent
$1,216
Typical yearly household income
$74,752
Households that own their home
61%
Effective property tax rate
0.82%

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.

Everything about Grant County

Buying

Buying a home in Moses Lake

A typical home in Moses Lake is worth $310,000: 4% above the county and 45% below Washington. With the typical household income in Moses Lake ($74,752 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.

  • Moses Lake 4.1 years
  • Grant 4.1 years
  • Washington 5.8 years
  • United States 4.1 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.

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

Moses Lake 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
  • Moses Lake $310,000
  • Grant $299,500
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Moses Lake $1,216
  • Grant $1,116
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Moses Lake $74,752
  • Grant $73,267
  • Washington $98,141
  • United States $80,734
See the full table
Moses Lake next to Grant County and Washington
Measure Moses Lake Grant County Washington U.S.
Typical home value $310,000 $299,500 $564,600 $332,700
Typical monthly rent $1,216 $1,116 $1,760 $1,413
Typical yearly household income $74,752 $73,267 $98,141 $80,734
Households that own their home 61% 66% 64% 65%
Typical yearly property tax $2,536 $2,339 $4,556 $3,119
Effective property tax rate 0.82% 0.78% 0.81% 0.94%
Renters with high rent for their income 48% 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 Moses Lake

For a typical $310,000 home in Moses Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Moses Lake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,540a month

    Least cash to close
    Down payment
    $10,850
    Cash to close
    $20,150
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $137

  • Conventional, 5% down $2,483a month

    Down payment
    $15,500
    Cash to close
    $24,800
    Rate
    7.18%
    Mortgage insurance
    PMI · $147

  • Conventional, 20% down, no PMI $2,021a month

    Down payment
    $62,000
    Cash to close
    $71,300
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,308a month

    Down payment
    $46,500
    Cash to close
    $55,800
    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 Moses Lake and for Grant County.

Property tax

Effective rate in Moses Lake

0.82%of the home’s value each year

$2,536 a year for the typical owner in Moses Lake.

  • Moses Lake 0.82%
  • Grant 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 Grant County

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

Homes in the high-risk zone
2.7%
962
Of those, with NFIP insurance
18%
County Washington U.S.
Homes in the high-risk zone 2.7% 1.6% 3.5%
Of those, with NFIP insurance 18% 40% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Moses Lake

Typical rent in Moses Lake is $1,216 a month: 9% above the county. In Moses Lake, 48% 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.

HUD fair market rent for all of Grant 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 $1,034 $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 Moses Lake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Moses Lake is in ZIP code 98837.

For 2 bedrooms it is $1,370: $9 more than the fair market rent for Grant County ($1,361).

  • 98837 $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 Moses Lake 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 Moses Lake

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

  • Heron Creek Apartments 222 E 9th Ave, Moses Lake 98837 96 homes, 94 low-income · 1 bd: 24 · 2 bd: 48 · 3 bd: 24 · In service since 2007 · For people with disabilities
  • Pioneer Village Retirement Community 816 Sharon Ave E, Moses Lake 98837 84 low-income homes · 1 bd: 43 · 2 bd: 41 · In service since 2009 · For older adults, people with disabilities
  • Capehart - Wherry Apartments 1407 Arnold Dr, Moses Lake 98837 50 low-income homes · 2 bd: 25 · 3 bd: 20 · 4 bd: 5 · In service since 2003 · For people with disabilities, families
  • Larson AFB Housing 1000 Vandenburg Loop, Moses Lake 98837 47 low-income homes · For families (509) 762-5541
  • Pelican Horn Apartments 303 W 6th Ave, Moses Lake 98837 36 low-income homes · 1 bd: 35 · In service since 2006 · For older adults, people with disabilities (509) 765-7437

See all 45 buildings in Grant County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Moses Lake

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.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Moses Lake

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

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

  • Oic of Washington

    815 Fruitvale Blvd, Yakima · 69 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

  • Spokane Neighborhood Action Partners

    3102 W Whistalks Way, Spokane · 93 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (509) 456-7627

All counseling agencies in Washington

Help in Spanish near Moses Lake

3 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 Moses Lake

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

  • HA Of Grant County Public housing and Section 8 vouchers (509) 762-5541

All housing agencies in Washington Source: HUD

Cities

Other cities in Grant County

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

Everything about Grant County Housing in Washington

Nearby cities

The cities closest to Moses Lake, with the typical home value.

Neighboring counties

If Grant 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 Moses Lake.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Moses Lake

Short answers with the numbers for Moses Lake 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 Moses Lake?

The typical home value in Moses Lake is $310,000, 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 Moses Lake?

Typical rent in Moses Lake is $1,216 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 Moses Lake?

Moses Lake 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 Moses Lake?

The typical homeowner in Moses Lake pays $2,536 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Grant County, the rate is 0.78%.

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

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.

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).